中文摘要
高齡社會人口老化，當退休規劃成為全民重視的討論議題時，面對退休財務需求，國人準備如何因應。金融商品多樣化的同時，投資風險評估不易，財務規劃的專業難度增加，因此國人對於尋求專業財務顧問協助的意願，是本文要調查與探討的主要議題。本文研究方法以問卷調查方式進行，針對18歲以上成年人至65歲尚未退休的民眾進行調查，透過通訊軟體連結Google 表單的方式進行資料調查，問卷調查為2023年3月09日至2023年4月06日，共蒐集406份問卷。依樣本資料設算預期退休金需求與實際可準備金額的狀況並以樣本族群特徵為自變數進行樣本迴歸分析。
研究問卷樣本調查中發現，投資理財資訊來源方面顯示媒體、網路平台、報章雜誌為國人主要獲取理財資訊的來源，次為金融保險業務員。運用最多的理財工具主要依序為定存、保險、股票。在理財行為的主要模式上，適度承擔風險、長期累積資產與養老、醫療保險規劃為多數。至於在財務建議的尋求管道上，最多人依賴的是金融人員(銀行理財專員、保險業務員、證劵期貨營業員)，次為廣告或家人介紹。詢問的議題最多人的選擇是人身、醫療照護、財產保險等議題。對於尋求建議諮詢的對象，需持有相關金融專業證照在樣本中是最受重視的選項。專業財務顧問通常都擁有一張到數張的國際金融證照，但從樣本調查中發現，國人對於國際金融證照普遍認識與了解的並不多，僅CFP是較多國人認識的國際金融證照。最後國人在面對超高齡社會趨勢下最為重視的議題依序為：保險與老年安養、社會保險與退休金、投資工具與風險、資產配置規劃、贈與及繼承相關財富移轉等。
迴歸資料分析中發現每月可投資金額、預期投資報酬率二項變數對個人預期退休金需求、實際退休金準備、預期退休金缺口三項應變數有顯著影響。而自變數退休金準備年期，只對實際退休金準備、預期退休金缺口二項應變數有顯著影響。
透過財務顧問協助愈早執行退休規劃，做好個人風險管理、資產配置並定期檢視與調整財務規劃目標，相信定能讓超高齡社會下退休養老問題不再成為國人與政府擔憂的問題。

Abstract
As the society ages and the population enters an aging phase, retirement planning has become a crucial topic of discussion for the entire nation. Facing the financial demands of retirement, individuals need to consider how to respond effectively. With the diversification of financial products, assessing investment risks has become challenging, and the complexity of financial planning has increased. Therefore, this study aims to investigate and explore the willingness of individuals to seek professional financial advisory assistance as a primary issue. The research methodology employed in this study is a questionnaire survey. The survey was conducted among adults aged 18 and above up to 65 years who have not yet retired. Data collection was carried out through a communication software platform using Google Forms from March 9, 2023, to April 6, 2023, resulting in 406 completed questionnaires. Regression analysis was conducted on the sample data, considering sample characteristics as independent variables to calculate the expected retirement fund requirements and the actual preparedness.
In the research survey on sample participants, it was found that media, online platforms, newspapers, and magazines are the primary sources for investment and financial information among the respondents. The next significant source is financial insurance agents. The most commonly utilized financial tools are fixed deposits, insurance, and stocks, in that order. As for the predominant patterns of financial behavior, the majority of respondents indicated a preference for rate risk-taking, long-term asset accumulation, retirement planning, and medical insurance. When seeking financial advice, most people rely on financial professionals (such as bank financial advisors, insurance agents, and securities brokers) or recommendations from advertisements and family members. The most popular topics of interest among respondents are life insurance, medical care, and property insurance. Concerning seeking advice and consultations, the possession of relevant financial professional certifications is highly valued among the sample participants. Professional financial advisors typically hold one or more international financial certifications, but the survey revealed that the general understanding and awareness of such certifications among the respondents are limited, with Certified Financial Planner (CFP) being the most recognized international financial certification. Finally, when facing the trend of an aging population, the top priorities for respondents in the sample are insurance and elderly care, social insurance and retirement pensions, investment tools and risks, asset allocation planning, and wealth transfer related to gifting and inheritance
In the regression data analysis, it was found that two independent variables, namely the monthly investable amount and the expected investment return rate, have a significant impact on three dependent variables: individual's expected retirement fund requirements, actual retirement fund preparedness, and expected retirement fund gap.
However, the independent variable "retirement fund preparation period" only has a significant impact on two dependent variables: actual retirement fund preparedness and expected retirement fund gap. This suggests that the length of time someone has been preparing for retirement affects their actual retirement savings and the projected gap between their retirement fund requirements and their current preparedness.
By seeking assistance from financial advisors and initiating retirement planning early, focusing on individual risk management, asset allocation, and regularly reviewing and adjusting financial goals, we believe that retirement and elderly care issues in the context of an aging society will no longer be a cause for concern among individuals and the government.

目錄
中文摘要 i
Abstract iii
目錄 vi
表目錄 vii
圖目錄 viii
第壹章 緒論 1
第一節 研究背景與動機 1
第二節 研究目的 2
第三節 研究流程與架構 3
第貳章 文獻探討 4
第一節 高齡化社會、理財行為與規劃 4
第二節 退休財務需求的準備 6
第參章 研究方法 9
第一節 問卷設計與探討的問題 9
第二節 變數定義 12
第三節 迴歸模型 14
第肆章 問卷結果分析 15
第一節 受測者樣本資料分析 15
第二節 敘述性統計分析 36
第三節 相關性分析 38
第四節 迴歸結果分析 38
第伍章 結論與建議 40
第一節 研究結論 40
第二節 研究感想與建議 42
參考文獻 43
附錄 46

參考文獻
一、中文參考文獻
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