Affluent investors are very confident about their financial health, with nearly three-quarters, 74%, saying they are saving enough to meet their retirement goals, according to the Wells Fargo Affluent Investor survey.

However, more than half, 54%, worry about losing money during market turbulence. Thirty-nine percent don’t trust themselves to manage their investments during market turbulence. That jumps to 49% for affluent women and declines to 33% of men. The affluent have a median of $450,000 invested in the market, but 20% are not sure how much they have in the stock market.

Affluent investors value their advisers, with 61% currently working with a financial adviser. Nearly 90% of this group want their financial adviser to act as a partner in their financial planning, rather than just telling them what to do with their money. And 70% say their financial adviser is as important to them as their doctor.

“A financial adviser can help by developing an investment plan that offers clarity and direction through market turbulence so investors can stay on course and transfer wealth to their heirs,”says Joe Nadreau, head of innovation and strategy for Wells Fargo Advisors. “A financial adviser’s ability to recognize and acknowledge a client’s natural response to market volatility is the key to making sure that rational perspective prevails, and that’s something that investors say they appreciate.”

NEXT: How much affluent investors have saved.  

The vast majority of affluent investors (92%) are very or somewhat confident they will have enough money to live the lifestyle they want throughout their retirement. Overall, non-retired affluent investors expect to need a median of $1.2 million and have saved an average of $750,000. Affluent investors with $250,000 to $1 million in investable assets expect to need a median of $1 million in retirement and have saved $500,000. High-net-worth investors with more than $1 million in savings expect to need a median of $2 million in retirement and have saved $1.9 million.

Affluent investors do have some regrets, however. Thirty-seven percent of affluent investors wish they had made better investments over the years, and 29% regretted not saving more and spending less. Only 15% said they wish they had enjoyed their money more.

Fifty-seven percent of affluent investors say that leaving an inheritance is important to them, and 71% have taken steps to leave an inheritance. Among the 29% who have not taken any steps to leave an inheritance, many say they find it hard to get that conversation started. Twenty-five percent say they find it difficult to talk to their family about their estate plan and don’t understand the complexity of transferring wealth to the next generation.

NEXT: Attitudes toward automated investing tools.

While affluent investors want to have access to automated investing tools and their accounts, they do not view technology as replacing the work of their financial advisers. Seventy-nine percent say it is important for them to have access to their investment information at any time, and 66% say it’s important for them to aggregate all of their accounts from multiple financial institutions online.

The Wells Fargo Affluent Investor survey evaluated the opinions of 1,983 affluent investors between the ages of 30 and 75 who have $250,000 or more in investable assets, not counting their retirement or property assets. The survey was conducted between May 5 and May 26.