Americans are showing resilience in the aftermath of the financial crisis, but their advisers report that they are not doing a good enough job of saving or living within their means, Principal Financial found in a survey of 632 advisers. Only 10% of the advisers surveyed said their clients are able to easily visualize their financial dreams.

“Having a dream is just the beginning of planning for a secure financial future,” said Tim Minard, senior vice president of distribution at Principal Financial. “This study supports what we’ve seen reflected in our own business—that people need help to plan for their futures, and advisers are well-equipped to help clients get there.”

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