There's nothing quite as titillating as financial voyeurism. Who hasn't wondered what their neighbor paid for their townhouse, or if their boss' Hamptons manse is a time-share, inheritance, or paid for with a fat corporate bonus?

To indulge your mole instincts, we'll let you in on the top concerns voiced by our TMF Money Advisor subscribers.

Those who have used the financial planner on-call feature since January clearly feel a little on edge about their finances. Asset allocation and risk tolerance have been hot topics, according to the rap sheet kept by The Ayco Company L.P., which provides advice via telephone for TMF Money Advisor subscribers. (These concerns are a little different than the ones Ayco financial advisor Roy Diehl talked about in our interview with him last year.)

Given the results of last week's poll on retirement savings, we're not surprised about investor reticence. Of the nearly 7,000 Fools who offered a peek into their retirement portfolios, a whopping 42% fessed up to having just $0 to $49,000 socked away for that blissful day. Seventeen percent have saved between $50,000 and $99,999; 15% boast portfolios in the $100,000 to $199,999 range (which fellow Fool Jeff Fischer points out may be just enough if you're in your early 40s); 11% have saved $200,000 to $399,999; and 16% have amassed an impressive $400,000 or more.

If you are feeling anxious and haven't talked over your financial concerns with an Ayco advisor yet, consider doing so. You aren't limited to discussing your portfolio makeup, either. Ayco representatives can rap about a host of money topics, including college savings plans, credit cards, cash flow, rental properties, taxes, and even divorce (financial implications only, please).

This month, you can do some firsthand reconnaissance and try out the entire TMF Money Advisor service for free by clicking this link.