Investors — those with $25,000 or more in investable assets — are better prepared for retirement than the general population, according to a new report from the Investment Retirement Institute (IRI), but they still have gaps in their knowledge and understanding of different financial products.

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Most investors, however — 62 percent of them — work with a financial advisor to answer all those nagging questions for which they have no answers. And the answers must be helping, because investors really are better positioned financially for retirement, according to the study — with 72 percent having socked away at least $250,000 and 45 percent having managed to save double that amount. Sixteen percent have even managed to squirrel away a cool million. The survey respondents are "a wealthy group," more than half of whom make more than $100,000 annually.