"According to a [recent] survey ... 79 percent of retirement plan participants report that their employer offers advice in their plan, up from 72 percent in 2011. About one-fifth of these participants actually seek this advice, and ... these participants report higher confidence in their retirement than workers who pass up the advice. Whether such advice can help you depends on your circumstances, including where you are in your work-life cycle. Whether the advice is worth the cost also depends on how much you might pay for such advice from another source."  MORE >>