It’s not that Americans don’t want advisors, it’s that Americans think advisors don’t want them.

According to recent research from New York-based TIAA, most Americans aren’t seeking advice because they feel they have not saved enough to access an advisor.

According to the 2016 “Advice Matters Survey,” 49 percent of those surveyed think they need at least $50,000 in savings to justify meeting with a financial advisor.

Last year, when asked the same question, 45 percent of respondents believed that they needed more than $50,000 in savings before speaking with an advisor.

TIAA says that only 48 percent of its respondents had received professional financial advice, but 71 percent were interested in receiving it.

The gap between interest in advice and action widened with respondents’ age and income. TIAA says that only around 45 percent of millennial respondents, aged 18 to 35, have received advice even though 82 percent expressed interest in meeting with an advisor. Similarly, 30 percent of survey participants with annual incomes less than $50,000 have received advice, but 61 percent of that group expressed interest in it.

When respondents who had never met with an advisor were asked why, 34 percent said it was because they don’t have enough money to invest.

Fifty-nine percent of the respondents said that meeting with an advisor before age 35 is most ideal. That figure jumps to 80 percent among millennial respondents.

Of the respondents who have already met with an advisor, 77 percent say they wish they had received advice sooner.

When asked what would motivate them to use an advisor, fee transparency was the most important element for TIAA’s respondents. Twenty-nine percent of survey participants said they would be more likely to work with an advisor if they had a clear understanding of how they would be charged.

By comparison, 24 percent of respondents said they would like a recommendation from friends or family, 22 percent wanted assurances that the advisor was qualified to help them, and 20 percent wanted to be sure that the advisor would not try to sell them any particular products, services or investments.

Many respondents said that milestone life events would prompt them to seek professional financial advice; 41 percent said they would visit an advisor to plan for retirement, 32 percent said they would seek advice after receiving an inheritance, 30 percent would use an advisor when planning to purchase or sell a home, and 20 percent said that they would find an advisor for planning a child or grandchild’s college education.

Respondents wanted advice customized to their particular needs. Almost all respondents, 85 percent, said they would find advice tailored to their age group most helpful. Most of the women in the survey, 73 percent, said they would value advice tailored for—and delivered by—women.

The advice gender gap was present among TIAA’s respondents: 40 percent of the women had received financial advice, versus 56 percent of the men.

Nearly three out of four respondents said that they would be more likely to consider a job if its benefits package included complimentary financial advice. That number jumps to 87 percent among millennial respondents.

In fact, complimentary advice was rated highest among the various possible perks an employer could add as a benefit. Thirty-three percent of respondents chose advice, versus 17 percent who chose on-site medical care and 12 percent who selected free, chef-prepared lunches.

TIAA’s study was based on a survey conducted among 1,000 U.S. adults from August 10 to August 15, 2016.