While the majority of Americans would like to retire before the age of 65, most admit they won't be able to do so.

A recent nationwide poll of more than 1,000 American workers who participate in a 401(k) plan by J.P. Morgan Asset Management found that the vast majority of savers don't have a clue how to manage their retirement planning and admit they need professional help.

Seventy-six percent of participants said they need professional assistance with key elements of retirement planning, including how much to save and how to allocate their investments. Despite this desire, roughly half (48 percent) don't have access to help through work or on their own.

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