Nearly half (or 45%) of all middle-class households spend all -- or more than all -- that they make every month, according to a survey by NestWise, LPL Financial’s new online planning service for middle-class investors.

The good news for advisors: A total of 65% of the survey's respondents said they wish they had someone they could trust to help with their financial and investment decisions, while 61% wish they had a better approach to planning, according to NestWise chief Esther Stearns.

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