Less than half of US online adults have done retirement research. Consumers who are worried about having enough money to retire are less likely to have done research; investors and older consumers are more likely to have done retirement planning. Books, newspapers, magazines, and Web sites are the most commonly used resources. But financial advisors — independents, as well as those employed by full-service brokerages — are considered the most helpful resources. Investment firms' Web sites are considered more helpful than life insurance agents and print or online media.