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If you want to retire with enough money, do these three things: Get a job with a retirement savings plan, contribute at least 10% of your pay to it and hire a financial planner.

That’s the wisdom gleaned from a survey released Thursday of more than 4,000 U.S. workers done for asset manager Putnam Investments by Brightwork Partners, a research and consulting firm.

Overall, workers are on track to replace 61% of their income in retirement. But workers saving through a workplace plan are on track to replace 79%; those who don’t are on track to replace only 41%.

And those saving 10% or more of their pay are expected to replace 106% of their preretirement income.

So are some people saving too much?

“Our position is that, at a minimum, you should be focused on replacing 75% of income. A lot of people feel like you should be replacing 100%,” says Edmund Murphy, head of Putnam’s defined-contribution business. “People who save at least 10% or more get there.”

Retirement savers who worked with a paid financial adviser were in line to produce 80% of their preretirement income, and those who did not were at 56%, the study found. “Even controlling for age, income and assets, there was still a significant lift from working with an adviser,” says Van Harlow, Putnam’s director of investment retirement solutions.