NEWARK, N.J. – With a recent survey finding that 34% of pre-retirees are in "frail" financial health, credit unions have an opportunity to help educate millions of Americans on becoming more financially fit. A Prudential Financial Inc. study finds that 79% of pre-retirees are not financially ready to retire comfortably. The study, using a 16-question behavioral assessment tool, revealed other worrisome trends, including: *Some 76% of pre-retirees have either not established or not updated a formal investment plan. Half of those polled have not set clear goals on how much they will need to save to retire comfortably. *Nearly two-thirds find today's investment information confusing and often contradictory, and 45% admitted that they feel less comfortable making investment decisions in today's market than a few years ago. *Over half of those surveyed say they don't seek help from a financial professional because either they think they can do it themselves or that professional advice is only for the wealthy. "Too many of those polled are not getting the help they need," said Judy Rice, president of Prudential Investments. "The reality is, the less money you have the more you need to plan to make sure you get the most out of your investments-and the knowledge of a financial professional can help you get there."