After years of planning and hard work, you've nearly reached that life stage: Retirement has finally arrived. But it might not be exactly how you envisioned.

Changes in the economy may have affected your nest egg and your plans for the years ahead. Saving for retirement is suddenly more important than ever.

Don't worry, it's never too late to ramp up your retirement savings habits and put a little more glimmer in your golden years. There's still time for retirement planning.

If, like many Americans, you need to rebuild your life savings, start with small changes and work your way up to bigger ones. Take a look at your monthly expenses. See if there are places to cut costs or scale back on expenses like groceries and travel.

Still working past retirement age? Make sure you have a handle on where all of your money will come from once you decide to retire. Go over your investments, pensions, Social Security and savings to get a realistic perspective on how much you'll have to live on.

You don't have to go it alone. Regions is happy to work with you on your retirement planning and make sure you've got your savings in all the right places. Just drop by your local branch and a licensed associate will happily help you make sense of it all.

In addition to analyzing your retirement plan, now's a good time to streamline your finances in general so that you're dealing with as few accounts as possible.

Consider using a more comprehensive banking account such as PFS Checking Account, which lets you access funds like a checking account while earning interest like a money market.

Saving for retirement is never easy but retirement planning is an ongoing process that changes based on your circumstances and life stages. The more you plan today, the more time you have to enjoy your tomorrow.