More than half of working Americans say they'd rather receive one-on-one financial advice from a financial advisor.

That according to a TIAA-CREF study that showed that just 36 percent of all workers say they regularly rely on financial advice offered by their employers.

TIAA-CREF's second annual Financial Advice Survey was conducted by KRC Research and polled a random sample of 1,000 adults nationwide to assess their attitudes, preferences and behaviors about receiving financial advice.

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