More Americans are losing sleep over money matters, such as saving enough for retirement, and half say their appetite for risk has diminished, according to a survey by Merrill Lynch.

Americans’ worries about supporting themselves and their extended families have increased, and the top concerns are healthcare costs and saving enough to sustain a certain lifestyle after retirement, the survey found.

“You’re seeing a modest to moderate trending upward in concern,”’ said Sallie Krawcheck, Bank of America’s president of global wealth and investment management.

Merrill Lynch, the brokerage unit of Bank of America Corp., conducted the June survey of 1,000 residents nationwide with $250,000 or more in liquid assets.

The quarterly poll found that half of respondents reported lower tolerance for risk, a slight increase from January. These investors are shifting toward more conservative investments and strategies.

The survey also found that employees want their employers to offer more help with regard to retirement savings, including personalized advice, financial education and more guidance about issues such as saving for college and budgeting.

“We’re still in a world where the individual will have control,” Andy Sieg, Bank of America’s head of retirement and philanthropic services, told Reuters in an interview. “But we’re now swinging in a direction where they want deeper levels of support.”

More than half of respondents said they rely totally on workplace vehicles, namely the 401(k) plan, to meet their retirement goals. Even so, 60 percent said they do not contribute the maximum amount allowed.

Nearly half of respondents expect they will have to postpone retirement much longer than originally planned, up from about a third earlier this year.