This paper documents the effect of the COVID-19 pandemic on the use of profession financial advisors across a broad sample of financial decision makers (N = 16,431). Findings show that financial literacy played a significant role in describing the use of financial advisors in the USA before and during the pandemic. Those who exhibited higher levels of financial literacy were more likely to use the services of professional financial advisors. Based on a series of regression tests, it was determined that the effect of COVID-19 on the use of financial advisors was, to some extent, moderated by financial literacy.

中文翻译：

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金融知识在描述 COVID-19 大流行之前和期间使用专业财务顾问方面的作用

本文记录了 COVID-19 大流行对金融决策者（N  = 16,431）的广泛样本中使用专业财务顾问的影响。调查结果表明，金融知识在描述大流行之前和期间美国财务顾问的使用方面发挥了重要作用。那些表现出较高金融素养的人更有可能使用专业财务顾问的服务。根据一系列回归测试，确定 COVID-19 对财务顾问使用的影响在某种程度上受到金融知识的影响。