The U.S. residents who have their retirement planning act together seem to be the same ones who are doing a good job of handling day-to-day financial matters.

Financial Finesse Inc., El Segundo, Calif., a firm that offers employers employee financial advice programs, has published data supporting that conclusion in an analysis of data from its call centers.

The call centers serve 500,000 employees at about 300 employers.

Finesse has found that about 29% of the callers with incomes over $199,999 say they have analyzed their retirement planning efforts and believe they are on track to have a comfortable retirement, compared with 10% of the callers earning from $20,000 to $34,999.

But Finesse that high-income callers were not much more likely to have made a formal effort to analyze their retirement preparedness than the low-income callers were,

About 39% of the highest-income callers had run projections, compared with 36% of the lowest-income callers – but 61% of the highest-income callers had not run projections.

Callers who said their retirement savings arrangements seem to be on track were much more likely than other callers to say they have emergency funds to cover unexpected expenses and to say that they pay their credit cards off in full each month.

- Allison Bell

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