People who don't earn a lot but seek the advice of a financial advisor are more likely to save enough money for retirement. That's also true for people who went online and used retirement income calculators and other retirement tools to figure out how much they would need in retirement.

According to the Employee Benefit Research Institute's 2013 Retirement Confidence Survey, those who "guessed" at what they would need in retirement were less likely to choose an adequate savings target.

Those people who earned the least amount of money showed a 9.1 to 12.6 percentage point improvement in the probability of not running short of money in retirement if they consulted a financial advisor. They showed a 14.6 to 18.2 percentage point increase if they used an online retirement calculator.

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