Many millennials are perfectly happy making their own investment decisions, but that doesn't mean they'rediscounting professional financial help.

That's according to Schwab Retirement Plan Services, which findsin a survey that 64% of millennials say they are very or extremelyconfident making investment decisions by themselves, compared with47% of GenXers and 39% of boomers.

But they'd be even more comfortable with a professional helpingthem out; 85% said they'd be very or extremely confident if thatwere the case.

In fact, a whopping 93% of millennials would take advantage ofa financial wellness program at work, and 64% feel theirfinancial situation could use professional advice even thoughthey've had less time in the workforce to accumulate wealth thanother generations.

Millennials also stress more about money and issues related toit, with 35% saying financial stress has affected their jobperformance.

GenXers and boomers aren't quite so concerned, with 18% of theformer and 11% of the latter under financial stress.

But then millennials, even though they're beset by the stress ofstudent loan debt, 24% of them specifically cite that as the causeof their financial stress, are more likely than older workers toput any money left over at the end of the month towards their401(k): 34% of them report doing so, compared with 20% of GenXersand 8% of boomers.

The younger generation is also much more conscious of investmentcosts; millennials keep their eye on the fees charged for theirretirement investments. Half of them (51%) say that fees influencetheir choice of 401(k) investments “a lot,” compared with 40% ofGenXers and 38% of boomers who say the same.

One thing is true about all three generations, however: allrecognize the importance of the 401(k) in helping them meet theirretirement savings goals, with 86% of millennials, 90% of GenXersand 84% of boomers considering it a “must-have” benefit.