"One-third of retirees without an advisor said health care costs keep them from living the retirement they expected. This is compared with only 13 percent of retirees who use an advisor and said costs keep them from a retirement to which they'd aspired ... 33 percent of retirees who don't work with an advisor said their Social Security deposit was less or much less than they expected. By comparison, only 12 percent of retirees who work with an advisor said their Social Security deposit was less or much less than they expected."  MORE >>