Young people trust advisers less than previous generations and see IFAs as "cold and overly-bureaucratic", the International Longevity Centre (ILC) said.
Young people are particularly averse to financial services because of a lack of engagement with them before the credit crisis and the recession, according to a report by the ILC.
They are also more heavily reliant on the internet for both gathering information and accessing financial services such as online banking than older groups, according to the research.
People aged 16 to 24 are far less likely than their elders to take advice on retirement saving from their employers or from IFAs as part of this mistrust, the report Resuscitating Retirement Saving said.
"Financial advice from IFAs seems cold and overly-bureaucratic," the report read.
"Family and friends are stepping in to fill a void left by the decline of more personalised form of advice previously available from local building society managers or the man from the Pru."
The report recommends making pension saving as easy and accessible as online banking, and the promotion of a savings rule of thumb similar to the "5-a-day" healthy eating message.
It also urges the development of a backup plan to ensure young people opting out of occupational pensions do not slip through the net once auto-enrolment comes into force.
Dr Craig Berry, senior researcher at ILC and author of the report, said: "Delayed transitions to adulthood in terms of owning a home, establishing a career and starting a family mean that young people need to start saving for a pension now.
"If we are to get young people to save we must consider their financial and economic circumstances, alongside their behavioural traits."
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