id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
fsr-3217	Balasubramnian, Bhanu; Brisker, Eric	Financial adviser users and financial literacy	2016	29	.pdf	application/pdf	15162	462	46	Retired 59.2 4.4 40.8 17.4 31.7 23.6 Self-employed - Retired t test 0.63 6.37*** -3.24*** 6.97*** 7.02*** 4.15*** Region Northeast 53.6 8.5 34.0 22.1 32.0 21.2 Midwest 53.6 7.7 31.6 21.5 33.8 19.8 South 50.4 9.2 29.5 19.9 31.0 18.7 West 57.1 9.4 32.8 25.5 35.2 20.7 Northeast - West t test �3.33*** -1.50 1.24 �3.79*** �3.28*** 0.62 The table shows the Percent of individuals surveyed that used financial advisers. Financial adviser users and financial literacy Bhanu Balasubramniana, Eric R. Briskera,* aCollege of Business Administration, The University of Akron, Akron, OH 44325, USA Abstract Using the 2012 National Financial Capability Study we determine what demographic character- istics are associated with individuals that use financial advisers and whether financial advisers have any impact on the financial literacy of their clients.	cache/fsr-3217.pdf	txt/fsr-3217.txt