More than half of American workers are somewhat confident or very confident that they'll be able to retire comfortably. Confidence is highest among millennials and boomers. Generation X, the middle child among the big demographic segments, is more pessimistic than its younger and older siblings.

That's just one of the conclusions reached by Transamerica Center for Retirement Studies in its 16th annual survey on American workers. One more conclusion: Only about one-third of Americans use financial advisors, so there's a significant potential market of clients out there.

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