Many millennials are counting on their parents or their kids to help them with their retirement, according to a Natixis Global Asset Management survey released Tuesday.

Millennials are twice as likely as baby boomers to think they will be able to rely on family help for their retirement, says the survey of 750 adults of all ages with at least $100,000 in investable assets.

Sixty-two percent of millennials, compared to 31 percent of boomers, expect to receive an inheritance to help fund their retirement. Furthermore, 47 percent of millennials, compared to 24 percent of boomers, say assistance with finances and housing from children will be an important part of their financial security in retirement. Millennials are generally defined as those born between the early 1980s and early 2000s, and boomers are those born between 1946 and 1964.

At the same time, 78 percent of Americans of all ages say it’s up to them, not the government, to make sure they have enough money to live on in retirement, the survey says.

“Our research shows that younger investors are starting to plan and save for retirement earlier in life, in part because of the availability of workplace retirement savings plans,” Ed Farrington, executive vice president of retirement at Natixis Global Asset Management, said in a statement. “Yet many are underestimating the impact of taxes, inflation and increased longevity on their retirement savings.”

Millennials expect to retire at age 59 compared to boomers who expect to retire at 65, but millennials also expect to live 25 years in retirement, which only puts them at age 84. However, one out of every four 65-year-olds today will live past age 90 and one out of 10 will live past age 95, according to the Social Security Administration.

In addition, few investors are concerned about inflation. Only 17 percent of millennials say they have factored inflation into their retirement savings planning.

Natixis says the biggest surprise for millennials may be the impact of taxes on their retirement, especially those counting on an inheritance.

For those boomers reaching 70 this year, 28 percent say they don’t fully understand required minimum distribution rules. One quarter of boomers who have a financial advisor say their advisor has not talked with them about required minimum distribution and 39 percent have not explored proactive ways to manage the tax impact of their withdrawals, the survey says.