A new survey by the Transamerica Center for Retirement Studies spotlights several knowledge gaps that financial advisors can fill.

Nearly 60 percent of workers told the pollsters they want advice in saving and investing for retirement, but only 32 percent of millennials, 35 percent of Generation Xers and 40 percent of baby boomers said they currently have a financial advisor.

The potential for service to millennials is especially promising, since they make up the workforce generation that started saving for retirement at the earliest age: 22 in contrast for 27 for GenXers and 35 for boomers.

In addition, the youngest workers also present a market motivated to be tapped more aggressively, since 59 percent of millennials said they would increase retirement savings if someone made the process more understandable for them.

A specific area where advisors can find a knowledge gap waiting is in Social Security. Less than one out of five baby boomers (17 percent) attested they know a “great deal” about these benefits.

Yet since the recession, the percentage of boomers who view Social Security as their likely primary source of retirement income has risen dramatically.  In 2007, 26 percent of boomers said Social Security would be their main resource for retirement income, a figure that soared to 36 percent this year.

Overall among workers, though, retirement confidence has climbed since the meltdown, from 59 percent in 2007 to 64 percent in 2014.

In its wide ranging study, Transamerica said 65 percent of baby boomers plan to work past 65 or never retire versus 54 percent for generation X and 40 percent for millennials.

The report noted retirement is not a complete restructuring of the lives -- and finances -- for the vast majority of adults.

“Most workers also envision a phased transition into retirement during which they will continue working, reduce hours, or work in a different capacity that is less demanding and/or brings greater personal satisfaction. Only 22 percent expect to immediately stop working when they retire. baby boomers, generation X, and millennials share similar expectations,” the Transamerica white paper said.

The survey was conducted of 4,143 workers over 18 nationally between February 21 and March 17.

For the poll, millennials were defined as being born from 1979 to 1996, with GenXers 1965 to 1978 and baby boomers 1946 to 1964.