Having a financial adviser provides increased peace of mind regarding retirement, according to a study by Age Wave for Merrill Lynch Wealth Management. "People definitely benefit from professional assistance when it comes to saving for retirement," said Ken Dychtwald, CEO of Age Wave. "We found that those who use professional assistance, such as advisers, were 1.5 times more likely to get better results in planning and saving for retirement versus those that tried to do it on their own."

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