Unfortunately, most Americans are not financially prepared for retirement, and some are entirely unprepared. In addition, many adults approaching retirement age may not be financially ready to retire: 49% of adults ages 55 to 66 had no personal retirement savings in 2017, according to the U.S. Census Bureau’s Survey of Income and Program Participation (SIPP).

However, some are better prepared and actively saving for retirement. Therefore, it’s not surprising that those most confident about retirement have spoken to a professional about retirement planning.

Here are a few tips to help you move toward a comfortable retirement and boost retirement confidence:

Save for retirement. For many people, a winning retirement strategy means saving at least 15 percent of their income. If you have the good fortune to participate in an employer’s retirement plan, you may benefit from employer-matching contributions. If you don’t have a retirement plan at work, open an IRA and set up automatic contributions each pay period. This method will be less painful; remember, the earlier you can start saving and investing, the better.

Create a retirement budget. A retirement budget is much like a household budget. Write down each item to help you see how much you expect to spend in retirement. These estimates will become more accurate as retirement get closer. A possible shortcut could be to estimate that you will need roughly 70-80 percent of your pre-retirement spending once you retire. This can be a good way to quickly gauge your retirement needs.

Choose an asset allocation strategy. Asset allocation divides your savings among investments, such as stocks, bonds, and other options. The allocation should be tailored to your individual needs and risk tolerance levels. For example, determining your risk tolerance would be to factor in your age, risk tolerance, and retirement goals. Again, all this information should be tailored to your individual needs and risk tolerance levels.

Prepare for long-term care. Long-term care is one of the most significant unfunded liabilities facing retirees today. According to a recent Genworth Financial Survey, approximately 7 out of 10 people will need long-term care during their lifetime. Remember that Medicare Part A covers skilled nursing care in a skilled nursing facility only for a specific period after hospitalizations. It will not pay for custodial care for Alzheimer’s or other cognitive illnesses. Therefore, purchasing long-term care insurance or adding a long-term care rider to a life insurance policy may be wise.

Review your plan every year. Retirement planning is not a static endeavor. Your goals may and most likely will change significantly over a lifetime. As a result, it’s important to review retirement plans often and make any necessary changes.

Knowing if you will be able to retire comfortably isn’t always cut and dry due to the complexity of each individual situation. While working with a financial advisor may improve retirement outcomes, saving is imperative for those who wish to retire from working full-time.

Contact your financial professional if you want help figuring it out or want to review your current plan.