Here’s a sobering statistic: 46 percent of workers surveyed had little or no confidence that they will have enough money to live comfortably throughout their retirement years, according to the 2010 Retirement Confidence Survey, issued by the Employee Benefit Research Institute. So you may want to explore all possible retirement savings vehicles —including a variable annuity.

Spring is in the air. And if you’re like many people, you may be looking forward to doing some spring cleaning around your house and yard. But this year, why not go beyond your physical environment and do some “sprucing up” of your financial situation?

If you own a business, you may well follow a “do it now” philosophy — which is, of course, necessary to keep things running smoothly. Still, you also need to think about tomorrow — which means you’ll want to take action on your own retirement and business succession plans.

If you’re a “Gen-Xer,” born between 1965 and 1980, you’ve still got many years to go until you retire. At this stage of your life, what can you do to help build resources for the retirement lifestyle you’ve envisioned?

Darcy Frear, a Desert Vista High graduate and biomedical engineering major in Arizona State’s Ira A. Fulton Schools of Engineering and Barrett, the Honors College, has won the Greater Phoenix Area 2013 Outstanding Engineering Student award.

For the first time since 2008, contribution limits have risen for one of the most popular retirement savings vehicles available: the IRA. This means you’ve got a greater opportunity to put more money away for your “golden years.”

Not everyone gets one, but it’s always a welcome sight — a tax refund. If you receive a refund this year, how can you best put it to work?

Now that tax season is here, and the debate over tax rates has been resolved (at least for now), you can focus on your tax return, which is due on April 15. As you work on your return, you may see some areas in which you’d like to make some changes for 2013 and beyond — and one of these areas may be your investments. Specifically, can you find ways to become a more “tax-smart” investor?

In the past, many people stayed at one job, or at least one company, for almost their entire working lives. When they retired, they could typically count on a pension, the value of which was based on their years of service and earnings. But today, workers can expect to hold several different jobs in their lifetime, and to a great extent, pensions have been replaced by 401(k) plans, which place much of the funding responsibility on employees. So, assuming you will change jobs at some point, and you do have a 401(k), what should you do with it?

If you’re planning to get remarried, you have plenty of company: More than 40 percent of all U.S. weddings are second marriages for at least one of the participants, according to an estimate by the National Stepfamily Resource Center. Naturally, a second marriage will bring many changes to your life — not the least of which may be changes in your financial strategy and goals.

Given the economic climate we’re in, you may one day be faced with a downsizing or otherwise forced to retire earlier than you had planned. But even if that happens, you can still maintain control of your financial future — if you make the right moves.

If you are contributing the maximum amount to your 401(k) or other employer-sponsored retirement plan each year, that’s good. And if you’re also “maxing out” on your Individual Retirement Account (IRA) annually, that’s even better. But what then? If you’re already fully funding your 401(k) and IRA, can you put away even more for retirement? Should you?

Almost everyone would agree: Moving is a hassle. In addition to selling your current home and finding a new one, you may need to deal with a new school for your kids, a new doctor, a new dentist — the list goes on and on.

Forty nonprofit representatives recently discussed tax law amendments and education on fraud and embezzlement, which targeted private organizations in 2012, according to a BeachFleischman PC shareholder.

As an investor, how can you avoid making mistakes? It’s not always easy, because investing can be full of potential pitfalls. But if you know what the most common mistakes are at different stages of an investor’s life, you may have a better chance of avoiding these costly errors.

It’s not so easy being a college kid these days. The job market for recent graduates has been shaky while, at the same time, students are leaving school with more debt than ever before. If you have children who will someday be attending college, should you be worried?

Not all households have two wage earners. By choice or circumstance, either you or your spouse may be out of the work force for an extended period of time. But that doesn’t mean you can’t make progress toward your joint financial goals, such as a comfortable retirement. It does mean, however, that you need to carefully review your situation and make the right financial moves.

In the past few years, Americans have done a pretty good job of whittling down their debt load. If you’re in this group, you may now have a chance to use your lower level of indebtedness to your advantage — by investing for the future.

If you’re relatively young, and you’ve only been investing for a few years, you possess an asset that is invaluable and cannot be replaced: time. And the more time you spend contributing to tax-advantaged investments, the better off you may be.

If you’re a woman who owns a small business, you’ve got plenty of company. In fact, women own more than 10 million U.S. companies, and women-owned businesses account for about 40 percent of all privately held firms in the U.S., according to the Center for Women’s Business Research. Clearly, the good news is that women like you are entering the small-business arena at a rapid pace. The not-so-good news is that you may be facing a retirement savings gap in comparison to male business owners.

Once you’ve started contributing to your 401(k) plan and funded it with investments that are appropriate for your needs, you might think you’re in good shape and that your 401(k) is now on “autopilot.” But that type of thinking can actually be counterproductive, because to get the maximum benefits from your 401(k), you’ll need to revise it over time to reflect changes in your life and in the investments that make up your plan.

As an investor, you can sometimes feel you’re at the mercy of forces beyond your control. This may be especially true today, when the entire country appears to be on edge about the approaching “fiscal cliff.” What can you do in the face of such a dire prediction?

In the past few years, Americans have done a pretty good job of whittling down their debt load. If you’re in this group, you may now have a chance to use your lower level of indebtedness to your advantage — by investing for the future.

Now that 2012 is drawing to a close, you may want to review the progress you’ve made this past year in many areas of your life — including your financial situation. By going over your investment portfolio and other key areas related to your finances, you can learn what moves you may need to make in 2013 to stay on track toward your important objectives, such as college for your children, a comfortable retirement and the ability to leave the type of legacy you desire.