People with 401(k)s aren’t necessarily workingwith financial advisors, but that doesn’t mean they don’t wantto—as long as the advisors are legally required to act in theirbest interest.

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That’s according to a new Financial Engines survey, which foundthat 54 percent of those who aren’t already working with afinancial advisor said they were interested in doing so in thefuture.

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But not just any advisor.

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Sixty-nine percent of plan participants said that it was “veryimportant” that the financial advisor be legally required to act intheir best interest.

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Another 18 percent said that was “somewhat important,” whileless than 2 percent said it was “not very” or “not at all”important.

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Read: It's time to rebrand 'truefiduciary'

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Respondents to the survey who ranked that fiduciary status as very importantcovered a range of participant groups: investors who usetarget-date funds (76 percent), investors not currently workingwith an advisor but interested in doing so (73 percent), those withassets between $100,000 and $500,000 (72 percent), and investorswho already work with an advisor (70 percent).

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A lot of participants still aren’t working with an advisor,however, and the barriers to doing so are pretty substantial: 46percent cited affordability, while 36 percent said they felt theydidn’t have enough assets to get an advisor’s attention.

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Twenty-six percent weren’t sure how an advisor could help them,and 23 percent were do-it-yourselfers, preferring to go italone.

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And while people have been interested in robo-advisors, with 60 percent beinginterested in online advisory services, more were interested inonline services that also provided access to real live human beings(68 percent).

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Participants were interested in getting answers to questionssuch as the appropriate savings rate that would allow them to meetretirement goals; turning 401(k)s and other retirement accountsinto reliable retirement income; figuring out their overallfinancial wellness; how to assess their personal risk tolerance;and how to optimize Social Security claiming strategies.

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Financial Engines, for its part, looks to be seizing theopportunity presented by people’s interest in having a real personto talk to, and has increased access to live investmentadvisors.

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While participants in its managed accounts already have accessto the company’s advisors, now participants who are enrolleddirectly in plans and are not part of the managed account programwill be able to access live advice via phone.

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