藉由台灣金融監督管理委員會於2011年所做的國民金融知識調查結果，本文對金融知識、理財專員以及財務行為，三者之間的關係進行全面探討與分析，透過本文更能透析理財專員從中所扮演的角色。根據實證結果顯示對於高金融知識族群偏好諮詢財務建議，而低金融知識族群則是遵循財務建議。此外，信任為顯著正向影響民眾對財務建議遵循程度的要素。再者，金融知識程度較低民眾可以透過遵循理財建議提升其退休規劃的程度；而金融知識程度較高的民眾能有較完善的退休規劃以及購買投資型保單的行為，不僅是因其自身具備較高的金融知識，更是因為其諮詢理財專員的緣故，換言之，理財專員在金融知識與財務行為之間扮演著中介變數的角色。

This study examines the comprehensive relationship among financial literacy, financial advisors, and financial behaviors. The study provides insights into the role of a financial advisor. This study employs a unique dataset from the 2011 Literacy Survey conducted by Taiwan’s Financial Supervisory Commission. The study results indicate a complementary relationship between financial literacy and consult financial advisor. By contrast, a substitutable relationship exists between financial literacy and following financial advices. Trust on advisors significantly positively influences individuals’ tendency to follow financial advice. Furthermore, individuals with lower financial literacy increase their retirement planning by following financial advice. Financially knowledgeable individuals actively participate in retirement planning or unit-linked insurance owing to higher financial literacy and consultation with financial advisors. The study concludes that financial advice provided by advisors is a mediator variable between financial literacy and financial behaviors.

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