It took an economic downturn, but Americans are finally adopting a more responsible attitude about their money.

Fewer expect to walk into a financial advisor’s office and get double-digit returns on investments. Instead, they are paying down debt and saving money. More importantly, clients are realizing that they have to have a strategy and direction for their money, not just a portfolio of investments and other financial products, according to Schwab Advisor Services [SCHW].

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