Worries about the future of Social Security and of Medicare, as well as the experience of the last market crash in 2008-9 and the housing slump, have left an increasing number of Americans worried about whether they will have adequate resources to provide for their retirement years, and are making them more open to financial advice.

That’s one finding from the latest annual Survey of Worker Attitudes Towards Retirement Savings Needs conducted by the Employee Benefits Research Institute (EBRI), an industry research organization based in Washington, DC.

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