​The new year is upon us. For many people, that signals an opportunity to implement new strategies and pursue important resolutions. One of your major goals may be to catch up on your retirement savings. If so, you’re not alone. According to a Gallup study, more than half of Americans are worried about their ability to afford retirement.1
 
The good news is it’s never too late to take action and stabilize your financial future. Perhaps you started saving for retirement late in your career. Or maybe you suffered some setbacks along the way that limited your ability to save. You can make 2018 the year that you get back on track and take control of your retirement plans.

​For many, New Year’s is a time to look to the future and start fresh. It’s a time to set goals and chart a new course. You may be looking at your family’s finances as one area where you can implement new habits and strategies. Perhaps you’ve fallen behind on your savings or feel that you may be too exposed to risk. The new year might be the right time to analyze your current situation and make changes.
 
The good news is there are many steps you can take to strengthen your family’s financial picture that are relatively simple. Below are five such steps. Use the new year as a time to reflect on your current financial picture and take action to make improvements. If you haven’t undertaken the following steps, now may be the time to do so.