U.S. workers, on average, are on track to replace 61% of their income in retirement. But those participating in a retirement-savings plan through their employers will likely be able to replace 79%, while those who do not will replace only 41% of their income, according to the survey by Brightwork Partners for Putnam Investments. Working with a paid financial adviser helped boost workers' expected replacement income, regardless of age, income or assets, according to the survey.

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