It probably comes as no surprise to advisors that consumers who work with a professional tend to be better off than those who go it on their own. A LIMRA survey released last week confirmed consumers who work with advisors are more likely to be saving in a retirement plan and at a higher rate.

"We've all seen the scary statistics that not enough people are saving for retirement—a recent LIMRA survey revealed that almost half of Americans were not contributing to an employer-sponsored retirement plan or an IRA," Alison Salka, corporate vice president and director of LIMRA Retirement Research, said in a statement.

The survey found that, regardless of income level, more than 60 percent of consumers who work with an advisor are contributing to a retirement plan or IRA, compared with just 38 percent of those without an advisor.