Over 90% of healthcare employees are saving for retirement; however, one-third are not confident they are saving an adequate amount, according to the TIAA Institute's new report, Retirement Readiness in the Healthcare Sector. The report surveyed full-time registered nurses, physicians, surgeons and other medical and nonmedical professionals.

Retirement income security depends upon a series of decisions and actions over time — most fundamentally, the amount being saved, the investment allocation of savings, and then how to manage savings for income during retirement. 

A few of the factors affecting retirement readiness are: