5 steps to find the perfect financial planner for you

(BPT) - The economy has changed considerably since the recession. Unemployment is at record lows and the market is flush with opportunities for workers of every level. While it is certainly good to live in the present, it is also important to plan for the future, and research shows that many people are not saving sufficiently to live life at their current standard when they retire.

A recent study finds that 52 percent of American households are at risk of not being able to carry their current lifestyle into retirement. This is an increase from an estimated 45 percent of households in a 2004 study. The estimated retirement savings shortfall amounts to roughly $6.4 trillion.