The financial crisis has had an enormous impact on millennials’ attitudes towards investing, saving and success, presenting both opportunities and challenges for financial advisors, a new survey by UBS Investor Watch finds.

Members of this young generation are goal-oriented, frugal and likely to seek out advice before making financial decisions. But having been burned by the financial crisis, they’re also skeptical that long-term investing is their path to success. Millennial investors might just be an advisor’s best dream and worse nightmare.

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