Workers who tapped a financial professional for advice or used an online retirement calculator were more likely to save enough for retirement, according to a new issue brief by Jack VanDerhei and Nevin Adams of the Employee Benefits Research Institute.

Based on its research as part of the 2013 Retirement Confidence Survey, EBRI found that those using an online calculator or those who sought the help of a financial advisor were more likely to set adequate savings targets for retirement. Those in the lowest income quartile showed a 9.1 to 12.6 percentage point gain (depending on family or gender) in the probability of not running short of money if they asked a financial advisor, and a 14.6 to 18.2 percentage point increase if they used an online retirement calculator.

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