Just because they have a big pile of cash to cushion their fall doesn't mean wealthy workers lack concerns about retirement.

As the folks at UBS Wealth Management discovered in a recent survey, nearly half of wealthy pre-retirees (45%) have a retirement savings target between $1 million and $3 million. Roughly 91% believe they have the financial tools and knowledge necessary for a comfortable retirement, with 89% saying they are confident they will have enough money saved. In addition, 74% believe they know how long their savings will last once they retire.

But money isn't the only thing on their minds as retirement closes in. When asked what they'd miss most, 64% of wealthy workers (those with more than $1 million in investable assets) said they'd miss the comforting stability of the work schedule more than their salary. Others fear the adjustment to retired life (59%), leaving work colleagues behind (57%), experiencing an initial shock (39%) losing a sense of purpose (36%) and filling the hours of free time (34%). For those engrossed in their work and excelling at their jobs, retirement can seem more like a looming inevitability rather than a welcome respite.

"Baby Boomers have been known for 'living to work,' having been focused on their careers for so many years," says Paula Polito, client strategy officer of UBS Wealth Management Americas. "Now, as many of them look toward retirement, they need to start 'working on living,' - figuring out how they will fill their time and find their purpose once they leave the workforce."

Though only one in five wealthy retirees worry about outliving their assets, their health remains an issue. Of those surveyed, 73% say getting sick is their top retirement concern. Nearly half (47%) are also worried they will not have anyone to take care of them.

In that small way, they share the fears of the average U.S. worker. Voya Financial points out that 59% of working Americans are very or extremely concerned about outliving their retirement savings -- with 74% having never calculated their monthly retirement income needs. Both Voya and U.S. Bank note that retirees will need 70% to 80% of their current annual income to continue their current lifestyle in retirement.

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