Many parents are skeptical about the ability of teen-aged and young-adult children to support themselves.

Researchers at Hartford Financial Services Group, Hartford, report that 55% of U.S. parents with children ages 16 to 24 say they are concerned about whether their children can become financially independent.

About 72% of the parents said they are their children’s main source of financial education, and 44% said they need help with the task of providing that education, Hartford says.

Hartford has developed a free guide for parents who are trying to each older children to manage their finances.