Job uncertainty, debt and financial insecurity are fueling Americans' fears that they will not be able to retire comfortably. According to the Employee Benefit Research Institute's 22^nd Retirement Confidence Survey, the percentage of workers saving for retirement continues to decline and many remain uncomfortable using new technologies to help them manage their finances.

Tom Clark, president of Lockton Investment Advisors, LLC, in Washington, D.C., said that most of the report's findings didn't shock him, but one thing that did surprise him was the comment that only a "minority of workers feel comfortable using online technologies to perform task-related financial management. When you look at the usage statistics for our clients, over and over again the percentage of participants that do anything to move money around or change deferrals or review their accounts are doing it online, regardless of what industry they are in," he said.

"Very few use voice response, less than 5 percent of active participants. The only time we see a spike is when they need to take a loan or hardship withdrawal. It is surprising that people weren't comfortable with technology. I feel like ultimately, taking advantage of technology could be a way to move the needle in participant behavior, taking advantage of social media, making it as easy as possible to make positive changes."