"Only 28% of respondents [to a survey conducted by MassMutual] currently have, or have had in the past five years, a relationship with a personal financial advisor. However, many more men have one (31%) compared to women (24%), and the gender difference here has increased since 2011 when 30% of men had an advisor vs. 27% of women. Significantly, retirement as a major savings objective is 20 points higher among participants with a professional financial advisor than for those without one (77% vs. 57% respectively)."  MORE >>