An independent nationwide survey found:
* 54% percent of Americans have never spoken with a financial adviser.
* Confidence in traditional retirement support is weakening. Only 26% of people between 18 and 34 plan to rely on Social Security.
* Nearly 75% of those 55 and older said they plan to work past age 67 for financial reasons.
* Only 41% of those ages 54 and under plan to retire before 67.