Are you ready to retire? Do you have enough money? Have you given it much thought?

The Employee Benefit Research Institute just published the results of its 27th survey about financial readiness to retire.

Here are a few things its research revealed:

* Many of us are stressed out about retiring, but we’re not taking steps to get ready. One third of participants worry about money. Half think they’d be more productive at work if they weren’t stressed about the financial aspects of retiring.

* Only 60 percent say they’ve saved for retirement. Forty percent have tried to work out the numbers and even fewer have tried to calculate their expected Social Security benefit and likely monthly financial needs or expenses. Less than 23 percent have spoken to a financial adviser, and only 10 percent have a plan. The number of people who are confident about having a comfortable retirement is lower than last year.

* Only 37 percent are confident that Social Security will continue to provide benefits, and the same number have low confidence that Medicare’s current levels will continue.

According to the survey, 80 percent of those who have already retired are more confident about having a comfortable retirement. Per a government pamphlet (“Top 10 Ways to Prepare for Retirement”), you’ll need between 70 percent and 90 percent of your pre-retirement income to maintain your current lifestyle.

If you’re stressed about the financial aspects of retirement, knowing is better than guessing about how you might fare. A financial planner can look at the figures and tell you the facts. If nothing else, call Social Security to ask about your likely future benefits (1-800-772-1213).

To view the study, go online to ebri.org and look for the 2017 Retirement Confidence Survey. It’s an eye-opener.

(c) 2017 King Features Synd., Inc.