In the state where it costs the most to live a comfortable retirement, 24 percent of Massachusetts residents say they don’t know what they’ll need to live on when the time comes to retire.

That’s according to the Massachusetts Retirement Readiness Survey, a statewide survey by Compass Point Retirement Planning of Wakefield. Compass Point surveyed 1,000 Massachusetts residents over the age of 45 about how prepared they are – or think they are – for their upcoming retirement. The poll also asked respondents about their overall attitudes, feelings and fears about retirement.

Just 55 percent of those surveyed know how much money they will need for their retirement, and 25 percent of respondents are unsure where they’ll live in retirement.

“We know most people worry about their savings being able to last through 20, 30 or even more years of retirement,” Michael LaBrie, co-founder and president of Compass Point Retirement Planning. said in a statement. “Many people are aware they haven’t prepared sufficiently or they are embarrassed they haven’t saved enough. The first step for anyone thinking about retirement is to stop worrying and start planning.”

Overall Massachusetts retirement readiness survey findings include:

• 49 percent say their retirement paycheck will come from Social Security.
• 28 percent say the high cost of living stopped them from saving more for retirement.
• 39 percent are creating their retirement strategy with a financial advisor, but 24 percent are just guessing.
• 57 percent plan to live in their own homes after retirement but 25 percent aren’t sure where they’ll live.
• 29 percent say their biggest fear is running out of money.
• 61 percent would prefer the legacy goal of leaving money to family over spending their last dollar on their last day.

The survey also looked at how residents in each of the state’s regions responded and found:

• Three regions – North Shore, South Shore and Western Massachusetts – had a greater percentage of respondents who do not know how much money they need in retirement than respondents who do.
• In the North Shore, the top retirement finance worry was running out of money (31 percent).
• Respondents from the Cape and Islands were the most confident that their retirement savings would last.
• South Shore respondents were the least confident that their retirement savings would last.