Americans worry about becoming a burden on their own children due to running out of money in retirement, but are rarely talking to their families about their plans for old age, according to a study from Radnor, Penn.-based Hartford Funds.

Retirement income weighs heavily on Americans — 40 percent of the survey’s respondents worry about becoming a financial burden to their children or running out of income as they age, with most of the concern coming from respondents between the ages of 35 and 54.

Upper-middle-income Americans, making between $75,000 and $100,000 annually, were most likely to be concerned about running out of money, almost twice as likely as those who make from $50,000 to $74,999 annually, according to Hartford Funds.

The survey found that Americans are addressing concerns about being a burden on their children, with 42 percent of respondents making strategic living arrangements like moving to accommodate their lifestyles or setting themselves up to be more accessible for caregiving by moving closer to children or into a nursing home or retirement community. Women were almost twice as likely to make arrangements for their future caregiving than men.

Men, on the other hand, were more likely than women to work with an advisor to get their finances in order. Twenty-eight percent of the male respondents reported working with an advisor compared with 17 percent of women.

The survey found that respondents were worried about their aging parents’ quality of life. — 25 percent worry about their parents having a home that they can maintain and move around in.

Other concerns included maintaining a social network of family and friends for their aging parents—20 percent of the respondents reported that as an issue.

Many survey respondents, 32 percent, reported moving closer to their parents or moving parents closer to themselves to address retirement concerns.

Respondents aged 35 to 44 were more likely than older respondents to move closer to their parents or to have their parents move closer to them—39 percent versus 20 percent.

Amidst all the moving and preparation, Hartford Funds found that the respondents weren’t communicating to their families about their plans—14 percent of respondents reported initiating conversations about their won intentions as they age, and 12 percent say they’ve initiated conversations with their parents.

Hartford Funds surveyed 1,006 Americans 35 or older with children older than 18 and parents older than 65 by phone in February.