Even modest investors want concierge service when it comes to planting their hard-earned financial seeds.

A survey by Gallup of folks with $10,000 or more in investments reveals that 44 percent choose a dedicated financial advisor to handle their affairs. Just one in five use a financial services website to manage most of their investment decision-making.

Other trends from the survey of 1,000-plus investors:

• 35 percent use a financial advisory firm and speak to a live person, but don't have one go-to advisor;
• 29 percent use a friend or family member;
• Women are more likely (46 percent) to use a dedicated advisor than men (41 percent);
• Women are also more likely (32 percent) to use a friend or family member than men (26 percent);
• Men are more likely (25 percent) to rely upon a financial website than women (14 percent);
• Retirees are more likely (53 percent) to use a dedicated financial advisor than non-retirees (40 percent);

Those with more than $100,000 in investments are more likely (53 percent) to use a dedicated financial advisor than those with less than $100,000 (32 percent);