More money, more problems Affluent Americans need more retirement advice.

First, the good news. A decade marked by low interest rates, increasing property values and a forward-moving economy has churned out more and more affluent Americans, or those with between $100,000 and $3 million to invest.

Now, for the bad. Of the 660,000 wealth advisors in this country, few focus on the mass affluent market, leaving millions of Americans with few places to turn for investment guidance.

The impending retirement of the increasingly affluent baby boomers accessing 401(k) and other savings plans only exacerbates the need for help.