Consumer Federation of America/CFP Board survey finds nine in 10 do some planning, but the extent varies greatly.
Kansas credit union creates planning center for families with children with special needs.
Credit union acted to help members meet their debt goal.
Allianz Life Insurance survey says a third of respondents say they don't make enough to bother.
Employees making some positive changes in retirement planning, but poor money management skills and long-term economic challenges continue.
Seth Poplaski of Maine Family Federal Credit Union one of five selected by NerdWallet to compete for $1,000 in cash and some free financial planning sessions.