A recent study by ING found that Americans need more guidance when it comes to retirement planning — and they'd like it to come from their employers.

The study, "Shedding Light on Retirement" was conducted by ING's Retirement Research Institute. It found that less than half of respondents (48 percent) feel "in control" of their retirement plan, even though they believe the plan to be of high value.

According to the study, 89 percent of respondents want help allocating their investments, and 86 percent want guidance calculating their financial needs in retirement, with nearly as many (84 percent) saying that they want solutions for calculating and creating retirement income.

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Additionally, consumers are looking for a set of tools and services designed to help them develop clear and actionable goals. Eighty percent of Americans find it important to seek specific tools and services to provide advice on how to calculate financial needs for retirement. Other areas where Americans desire specific tools and services include providing advice on how to allocate retirement savings (79 percent) and providing an annual "financial checkup" to set and measure progress (78 percent).

"As a whole, consumers highly value choice, yet too much can be overwhelming," said Lynne Ford, CEO of ING Individual Retirement in a press release. "Consumers also value the control to make their own retirement-planning decisions but want detailed instructions on how to accomplish their financial objectives."

The study of 2,600 individuals was conducted by the Boston Consulting Group.

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