Paying someone to advise benefit plant participants pays off big time. According to a survey by CitiStreet Advisors, plan participants who hire a financial adviser on average save 140% more than those who don’t. CitiStreet, which caters to advising smaller investors, also found that of those surveyed, 78% called themselves beginners or inexperienced investors, 93% felt an adviser helped them better understand their retirement goals, 85% said they would strongly recommend to co-workers to use an adviser, and 75% expressed greater confidence in attaining retirement goals. The average survey participant, says CitiStreet, is a 46-year-old middle-income wage earner, with an average annual salary of $45,000 and an account balance of $39,000.