美国教师退休基金会（TIAA）：2026理财建议价值研究报告（英文版）（32页）.pdf

1、The value of financial adviceTHE VALUE OF FINANCIAL ADVICE 2THE VALUE OF FINANCIAL ADVICE 3ContentsForeword .4Key findings .5Implications and call to action .16Special Focus:The financial advice evolution .17Appendix .21Methodological appendix.27What our experts say about the value of advice .29Cont

2、ributors .31Any opinions expressed herein are those of the authors,and do not necessarily represent the views of TIAA,the TIAA Institute or any other organization with which the authors are affiliated.THE VALUE OF FINANCIAL ADVICETHE VALUE OF FINANCIAL ADVICE 4ForewordThe path to financial security

3、is rarely straightforward,and Americans face complex financial decisions at every stage of life.At TIAA,we believe professional financial advice is one of the most powerful tools available to help people build a secure future.This report provides some of the strongest evidence yet of just how much t

4、hat guidance matters.To conduct this study,the TIAA Institute partnered with Edge Research to survey 1,864 nationally representative adults between the ages of 18 and 79.Survey findings were then supplemented with economic modeling across three hypothetical personas at different life stages,allowing

5、 us to estimate the value of advice in basis points of additional annual return.The findings are clear,consistent,and compelling.Advised individuals show 14 to 19 percentage point(PP)advantages in financial confidence across all dimensions and on average accumulate more than double the net worth of

6、their non-advised peers,even after accounting for income and other demographics.The behavioral differences are equally striking.Ninety-two percent of advised individuals save consistently compared to 75%of those without an advisor.Economic modeling demonstrates that professional advice can deliver v