People may have financial advisors, but do they have good financial advisors?

Northwestern Mutual, an insurance and financial services firm based in Milwaukee, Wis., says the answer to that question for many is a resounding "no."

The “2016 Northwestern Mutual Planning & Progress Study” says only 32 percent of Americans are getting professional financial advice, but 43 percent of that number say their advisors do not feel like long-term partners with a deep knowledge of their complete financial picture.

The survey, which included 2,646 adults, says 68 percent of U.S. adults are not getting professional financial advice, and 45 percent have no idea where to turn to for help.

“We see this as a real call to action both for individuals and the industry,” says Gregory C. Oberland, president of Northwestern Mutual. "It's important for people to understand that financial security requires serious planning, professional help and strong discipline over a long period of time.  By not taking action, they risk making the long road to financial security even longer.

“The findings also serve as a strong reminder to the industry that the people we serve need great partners as much as they need great products,” he adds. “To be a great partner, it requires a deep knowledge of people's complete financial pictures, a genuine interest in developing relationships that last a lifetime, and the tools and expertise to develop comprehensive long-term plans.”

Of those who have an advisor, only 56 percent say he or she gives them an understanding of their complete financial picture and only 43 percent say the advisor has a long-term commitment to the client. Thirty-two percent say they work with more than one advisor in order to address different parts of their financial lives.