Employees improved all areas of their personal finances last year, according to a study by El Segundo, Ca-Financial Finesse, but many are concerned they haven't saved enough to retire.

“Employees are the shining light of this recovery," said Liz Davidson, the founder and CEO of Financial Finesse, a company that provides personalized financial education and counseling programs to over 500,000 employees at more over 400 organizations. "They are making far more progress than the economy as a whole, creating personal recoveries for themselves amidst what is proving to be a slow economic recovery."

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