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[Personalized Financial Solutions Start Here](https://www.arawanfinance.com/mystartingpoint?hsLang=en)

## MYTH: Financial advice isn't for people like me.

*Good guidance starts with understanding, not a minimum balance.  See what advised individuals experience - no matter where they begin.*

![ArawanConstellation\_Flip\_v1](https://www.arawanfinance.com/hs-fs/hubfs/ArawanConstellation_Flip_v1.jpg?width=1253&height=2000&name=ArawanConstellation_Flip_v1.jpg "ArawanConstellation_Flip_v1")

### It's Not About Assets

47% of people without an advisor skip advice thinking they lack enough assets; 42% think their situation is too simple. (TIAA)

### Advice Helps Every Income

~48% of Americans have no written plan; ~45% of them want help creating one. (Allianz)

### Most People Feel Lost

~56% admit they don't know what to do beyond contributing to a retirement account. (Allianz)

### Confidence Across Every Stage

Advised individuals show a 14–19 point confidence advantage across all incomes and life stages. (TIAA)

### Advice Builds Better Habits

~92% of advised people save consistently vs. ~75% without. (TIAA)

### Guidance Pays Off

Advised households averaged ~$800K net worth vs. ~$388K, adjusted for income. (TIAA)

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Sources

TIAA Institute, The Value of Financial Advice (April 2026). Research conducted with Edge Research based on a survey of approximately 1,864 U.S. adults ages 18–79. \[[TIAA](https://www.tiaa.org/content/dam/tiaa/institute/pdf/insights-report/2026-03/tiaa-institute-wealth-management-the-value-of-financial-advice-reilly-april-2026.pdf)\]

 

Allianz Center for the Future of Retirement®, *2026 Annual Retirement Study* (Allianz Life Insurance Company of North America). Based on a survey of approximately 1,000 U.S. adults age 25+. \[[Allianz](https://www.allianzlife.com/-/media/Files/Global/documents/2025/07/22/09/10/EXT-1127.pdf)\] 

#### TRUTH: Understanding your money shouldn't depend on how much you have.

100%

The percentage of Americans who can access financial advice from a financial security professional.

Today

The best day to start understanding your money - no matter where you're beginning from.

Day 1

Where everyone starts. You're not behind - you're beginning.

Zero

The number of "dumb" questions about your finances. Every question is worth asking.

## **I found this later than I should have.**

#### **Now it's my job to pass it on.**

 I'm Grace — a mom, grandmother, and Navy spouse in Hampton Roads, and I spent years chasing shortcuts that never delivered before I found the one thing that did:

##### ***Real.  Financial.  Education.***

I only wish I'd found it sooner. That's why I'm here — to help people my age start now instead of never, and young people start early instead of late. 

[Find Your Starting Point](https://www.arawanfinance.com/mystartingpoint?hsLang=en)

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