A survey finds financial advisors had mixed views of how the current financial crisis will affect consumer confidence over the next 12 months.

NAVA, Reston, Va., polled participants at its annual conference in Philadelphia this week. Of the 300 advisors taking part in the poll, 35% said consumer confidence will rise, and 41% predicted that it will fall.

Almost all the financial professionals participating in the survey said they believe that most retirement-minded Americans will take some action to deal with the current financial crisis.

Investors preparing to retire plan to move money into “safer” investments, become more risk-averse, avoid equity-based financial products, and even “stash their savings under their mattresses,” according to survey participants.

Other findings:

–65% of participating advisors believe investor confidence is flat or falling.

–68% believe that variable annuity living benefits, which offer specific guarantees against downside market risk, will become more popular with consumers.

–Only 50% believe the Troubled Asset Relief Program, created with last week’s enactment of the Emergency Economic Stabilization Act of 2008, will ultimately succeed in stabilizing financial markets. Of the remainder, 46% believe it will not, and 4% had no opinion.

–Asked about their personal retirement financial strategies, 77% of the respondents said that they are sticking with their established long-term plans rather than making significant near-term adjustments.

NAVA conducted the survey via electronic polling of conference participants.