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But 38% say they'll spend 2021 in 'survival mode,' focusing on the day-to-day to try to get themselves and their families through the next year.

Trades can be placed with a quick swipe and may be heralded with a burst of virtual confetti.

While the majority of savers welcome the advice of plan advisors, only 41 percent of respondents said an advisor has reached out to them in the past year.

Eighteen percent of those living on the West Coast reported a plan to spend more, compared to only 10% of Northeasterners.

Getting clients to plan for diminished capacity is difficult, but not impossible.

If only 10 percent of the roughly 600,000 employers that currently offer workplace retirement plans suspended or reduced their contributions, the long-term impact would be huge.