Some 84 per cent say they are careful with money, 56 per cent search for good deals on savings and investment products and 46 per cent consider themselves savers.
The firm surveyed 2,000 people and found the typical monthly saving was £144 but 22 per cent saved more than £250 per month. 
A third of adults have set up a direct debit for ensure they save on a regular basis.
Some 80 per cent agreed with the statement that people wouldn't be in a "financial mess" if they were more conscious of spending and better at saving.
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Tim Orton, product director for Aviva Pension and Investments, said: "Advisers seeking out new opportunities to grow their business in the post-RDR era should be encouraged by these findings.
"Whilst clearly many people are already quite savvy with their money, taking sensible steps to cut their expenditure, there are those who are actively looking for help to make the most of their cash. It's important they have the access to the best information to make the most of their money and this is where financial advisers should be on hand to help.
"With the right strategy in place, advisers are in a good position to promote their services, be that online or using more traditional services." 

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