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Household finances are a major concern for Americans, yet most have debt and are lacking a financial plan. A larger percentage of employees are seeking one-on-one guidance from an adviser through their employer, LIMRA research finds.

The study, Financial Triage: Assessing Consumer Wellness, looks at the relationship between objective measures of consumers’ financial situations and their stress levels. The report also gauges how well consumers understand financial issues and their interest in financial education.

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