Single folks investing and saving for retirement have some special planning issues for which financial advisers can offer valuable expertise.

Unlike married investors, single people are on their own without the additional retirement savings of their spouse to help build their retirement nest egg. Here are some issues that financial advisers can consider when helping single clients plan for their retirement.

Saving as much as possible for retirement is important for all, but especially so for single folks. They have only their retirement savings to count on. Be sure they are maxing out their 401(k) or other employer-sponsored retirement plan if they have one available.

You should also encourage them to contribute to an IRA as well. If they are self-employed, be sure they open and contribute to a Solo 401(k), a SEP-IRA or a SIMPLE IRA.

For those who have the option to do so, funding an HSA account