A survey of American consumers shows that people who work with financial advisors are more confident about being prepared to retire.

In its 2014 Fact Book on Retirement Income, the Life Insurance Marketing and Research Association (LIMRA) says that 1.5 million people in the United States will retire every year from now until 2025. This means 123,270 Americans will retire every month, which LIMRA calculates to be about the same number of people who live in Hartford, Connecticut.

Not all of these people, however, are sure they will be able to live the sort of lives they want when they stop working. LIMRA research shows that more than half of pre-retirees (age 55-70) say they are not confident that they will be able to achieve the lifestyle they desire in retirement. The most optimistic group are those who work with financial advisors, 79% of whom say they are well or moderately prepared for retirement.

Overall, LIMRA says that fewer than 4 in 10 pre-retirees work with an advisor. Of this do-it-youself group, 34% say they are poorly prepared to face retirement, and 16% say they are not prepared at all.