Retirement planning should be included in a more holistic approach to finances in order to make a dent in the large number of people who do not have any retirement plans, says a new report by the Deloitte Center for Financial Services.

The disconnect between the number of people who need retirement planning and the numbers who have it is created by several problems, including a lack of communication between planners and consumers, says the report, Is Retirement Planning a Dying Concept?

“The retirement challenge facing many Americans seems increasingly more daunting,” it says. “To encourage more consumers to initiate the planning process, the industry’s approach likely needs to be more holistic in nature. Retirement goals probably should not be addressed in a vacuum, oblivious to the more immediate pressing financial demands on most people.”

The report concludes that immediate financial goals should be considered along with retirement goals to make the plans realistic.

The conclusions of the report were based on a survey of almost 4,500 individuals 26 years of age or older who make the financial decisions for a household.

The report found that only 30 percent of the respondents who were 15 or more years from retirement have a retirement plan. That increases to only 54 percent who are zero to five years from retirement.

The reasons people feel insecure about their retirement varied, but half (51 percent) simply feel they have not saved enough. Another 46 percent feel they do not have enough money to save for retirement.

At the same time, 74 percent of those within five years of retirement feel retirement savings is their top priority and 69 percent of those within five to 15 years agree.

Financial advisors have several challenges to meet to try to change these numbers, Deloitte says. People have conflicting needs for what they are trying to save for that have to be addressed and planners must do a better job of reaching out to those who need savings help, both in the workplace and as individuals.

There is a lack of product awareness and a ‘do-it-myself’ mentality that has to be overcome, the survey says.