The purposes of this research were 1. to study personals factors affecting work efficiency of financial adviser agent,. 2. to study motivation affecting work efficiency of financial adviser agent, 3. to study strategies for increasing work efficiency to retaining financial adviser agent. The sample of the study is financial adviser agent in krungthai-axa khonkaen and manager. Data were collected by using questionnaires and interview. The research found personal factors do not affect work efficiency. Motivation factor no relationship with work efficiency that self-actualization needs in relationship with work efficiency. at the statistical significance level 0.05 and esteem needs in relationship with work efficiency at the statistical significance level 0.01. Maintenance factor is environment and facilities that help prevent obstruction or reduce efficiency at the statistical significance level 0.05.