Securian Financial Group Inc. is encouraging advisors to help clients pay down debt.

Securian, a unit of Minnesota Mutual Insurance Companies, St. Paul, Minn., is offering advisors a program that includes a client presentation that offers a step-by-step guide to tackling debt.

The program also gives advisors a link to a Web site that provides calculators clients can use to analyze debt and come up with strategies for paying back debt.

Securian developed the program because “our research shows that debt is the barrier to saving for retirement at all ages,” says Kerry Geurkink, an annuity marketing director at Securian.

Advisors’ “biggest competition for the client’s time and attention is the client’s debt,” Geurkink says.