When it comes to retirement, there’s plenty to worry and dream about. But according to a recent survey, the three biggest worries that clients of financial advisers face seem somewhat easy to solve. Or at least they do to those who spend time studying such things.

In its survey, Principal Financial Group found that slightly more than eight in 10 advisers say their clients’ top dream is greater financial security in retirement.

And according to advisers surveyed, their clients’ greatest retirement worries are, in order, outliving their savings (87%); the ability to enjoy the same quality of life in retirement (79%); and the ability to afford good medical care (70%).

Not surprisingly, the survey showed that clients who can “easily visualize their financial dreams may be less worried about retirement.” But the survey also showed that very folks are spending much time visualizing. Only one in 10 advisers said their clients find it “easy to picture their financial dreams.”...