Employees retiring soon? Or just trying to catch up on retirement planning? 2017′s approaching end is a reminder that they don't have forever to get their ducks in order.

This is especially true, the Motley Fool points out, if they lack certain vital pieces of information—such as how much to save, whether they're on track to get there, or whether they're woefully behind.

Taking the time now to sort things out, catch up on the current situation and investigate ways to improve it can save them a lot of financial heartache in the future—even if retirement is still years away.

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Retirement