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you can find us on facebook.com/otm. so what we're looking for is a way to "plus" our accounting firm's mobile plan. and "minus" our expenses. we're offering our best-ever pricing on mobile plans for business. run the numbers on that. well, unlimited talk and text, and ten gigs of data for the five of you would be... thirty-five bucks each! with a year of high-speed internet, free ah, "free" is not deductible! i smell audit! i smell savings... at&t mobile share value plans for business. now with a year of free high-speed internet. >>> certainly means a stronger nest egg for many americans. since the worst of the crisis, 401(k) balances have surged. sharon epson joins us now. we are now five years past the market's lowest point. what's going on when it comes to american's retirement savings? >> we're seeing an impressive 92% gain in 401(k) balances since the first quarter of 2009, since the economic downturn and that's a tremendous gain, but we're only talking about the average balance being about $88,000 and about 75% of

. >>> by the way, everybody, you can find us on facebook, facebook.com/otm. female announcer: sleep train's interest free for 3 event ends sunday. it's your last chance to get three years interest-free financing on beautyrest black, stearns & foster, serta icomfort; even tempur-pedic. plus, get free delivery, and sleep train's 100-day low price guarantee. but hurry! sleep train's interest free for 3 event, ends sunday. ♪ sleep train ♪ ♪ your ticket to a better night's sleep ♪ >>> a stronger stock market certainly means a stronger nest egg for many americans. since the worst of the financial crisis, 401(k) balances have surged, but is it enough? sharon epperson, personal finance correspondent, joins us right now. and sharon, thank you for being here this morning. >> my pleasure. >> you know, we are now five years past the market's lowest point, post-financial crisis. there is good news out there. what's going on when it comes to americans' retirement save sngs. >> there's good news. we're seeing an impressive 92% gain in 401(k) balances since the first quarter

on facebook. facebook.com/otm. >> if you have questions about your investments and you don't know where to turn, a financial adviser might be just the ticket, but are they for everyone and what do they cost and how do you find one who you trust? sharon epperson joins us with more. how do you know if you need a financial adviser? >> my view is most people need a financial adviser and you need a third party to say this is what you should do and help you citi on track. a lot of people say they think they can do it themselves and the reality is sticking to your goals and reaching your long-term objective, a lot of those people aren't doing that part of it. >> how do i go about finding a good financial adviser? one i might trust and what should i be on the lookout for? >> this is like any other professional that you use. you will probably scout around and find the best doctor. you might talk to two or three people and get referrals and do the same thing in terms of finding a financial adviser, ask your friends and ask colleagues and people that have been successful in their finances. you can go to the