Moms don’t want flowers or candy for Mother’s Day, according to Lincoln Financial Group’s Love and Responsibility Survey. They want their kids to contribute to their retirement.

“The good news is, the survey showed that 80% are already taking steps to achieve their retirement goals,” said Jamie Ohl, executive vice president and president of Retirement Plan Services for Lincoln Financial Group. “If we think about that, combined with over half saying what they would prefer for Mother’s Day is some funding toward their retirement, that’s encouraging.”

Don’t let another Mother’s Day pass by without finding out what Mom’s long-term plans are.

“Anytime is a great time to start this conversation,” said Ohl. “I clearly remember 15 years ago when I had the conversation. It was at Thanksgiving. Both my brother and sister went to the garage and left me to have that conversation with my parents. It’s an opportunity, whether it’s at the dinner table, whether it’s during a holiday and it doesn’t have to be everyone. It can be one.”

According to the survey, 72% of moms are planning for their family’s financial future, compared to 85% of dads.

“It’s taking away a little bit of the stigma that we all have about talking about finances,” said Ohl. “Just having that open, transparent conversation with your parents and asking them, what are they thinking about, what goals do they have and getting advice from them. It’s a two-way conversation between you and the parents.”

Sixty-five percent of moms are worried about not having enough money to retire and, of that number, only 20% have put a plan in place to help address that concern.