It’s the same old story. Survey results prove once again that many investors haven’t gotten the point yet of financial planning and how it can help them in retirement. And the more company-sponsored surveys, like American Express Financial Advisor’s Personal Economy Study, state the obvious, the more financial advisers must keep working to get the word out.

According to the survey, 44% indicated that they were satisfied with their financial outlook, and 50% answered that they were financially able to retire when they wanted to.

But that still leaves about half of the participants unsatisfied and unable to retire when they choose.

Additionally although half said they could benefit from an expert reviewing their finances, the survey found that only one out of 10 had a formal written financial plan. About 55% had a "general idea of what they would like to accomplish financially." Top financial concerns of the participants were too much debt, affording medical care and saving for retirement, according to the report.

Despite unhappy participants and those who said they needed help, only three in 10 used a financial adviser. Even more alarming, of those without an adviser, only one in 10 planned to consult with one in the future, while four in 10 said definitely not and the other 50% were still undecided, according to the survey. Top reasons participants said they didn’t use an adviser was either because they felt they didn’t have enough money to invest (55%) or that advisers were too expensive to use (43%).

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