Women are less confident than men that they are saving enough for retirement, according to a survey by TIAA-CREF.

In a survey of 1,000 adults nationwide, only 56 percent of women surveyed felt they were on track for retirement, compared to 65 percent of men. Women said that having access to financial advice would make them more likely to change their savings and spending habits. The majority of those surveyed said that financial advice costs too much and one in three said they didn't even have time to look for help.

When women do reach out to a financial advisor, 62 percent monitor their savings and 58 percent modify their spending habits, the survey found. Nearly 40 percent of women who received financial advice changed their asset allocations in their retirement plan account. The research suggests the perceived challenges of time and cost get in the way of experiencing the benefits of financial planning, according to TIAA-CREF.