NEW YORK (MainStreet) — Financial advisors should be more concerned with Uncle Rudy than a robo advisor. It appears Americans are more likely to seek advice in money matters from a family member or friend than they would from a financial planning or investing website, according to a new poll from Gallup and Wells Fargo.

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While 44% of those surveyed look to a dedicated personal financial advisor for retirement or investment planning, 29% say they turn to a friend or family member – only one in five go online. More than one-third (35%) are content to get their advice from a call center advisor.

"Overall, 79% of investors report using at least one of the four financial advice resources tested, while 21% don't use any of the four," writes Lydia Saad in a Gallup analysis. "The largest percentage of investors -- 40% -- rely on just one source, but almost a third (30%) rely on two, 7% on three, and 2% on all four."

Retirees and individuals with $100,000 or more in investable assets are more likely (53% each) to obtain recommendations face-to-face from a financial advisor. Generally, men (25%) are nearly twice as likely to use a financial website as women (14%).

Regardless of the source, Americans could certainly use a bit of help. In a previous poll released last week, Gallup found that three-quarters of investors (76%) believed stocks increased only 10% or less last year, when in fact the S&P 500 gained nearly 30%. And less than a third (27%) feel confident investing on their own.

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The survey also revealed that if given an additional $10,000 to save or invest, less than half (41%) of respondents would invest the money in the stock market. More than a third (36%) would hold it in cash while 20% said they would put the windfall into a CD.

Meanwhile Americans' aversion to investment advice is even more acutely reflected in a Schwab study released today. When 1,000 401(k) participants were surveyed, most (87%) admitted they are much more likely to have someone change the oil in their car, help them landscape (32%), or assist with their taxes (36%), than have an advisor help them choose their 401(k) investments (24%).

--Written by Hal M. Bundrick for MainStreet

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