It's not only the wealthy who can benefit from financial advisers. In fact, according to Sheryl Garrett, the founder and CEO of the Garrett Planning Network, a nationwide network of fee-only financial advisers who specialize in serving the middle class, "The financial planning decisions of middle income families are more critical than that of wealthier people, because they can't afford to make any mistakes." A growing number of financial planners are now serving the middle class, and websites like LearnVest and Nestwise also offer relevant financial advice.

USA Today, 5/5/2013

401(k) plans are not cheap to manage. Unlike with a typical brokerage account or even an IRA, there are some fairly complicated rules your employer has to follow to assure the 401(k) plan stays in compliance with the law. That costs money -- money that's above and beyond typical investing fees like mutual fund management fees and trading commissions. And guess who frequently gets stuck with the tab for compliance and other administrative costs?

AOL Daily Finance, 12/1/2012

Some young adults who moved in with their parents during the recession are now seeing a silver lining or two.

The Wall Street Journal, 10/22/2012