Do You Really Need a Financial Planner?

Do You Really Need a Financial Planner?
  • Opening Intro -

    Are you struggling on your financial journey?

    Are you unsure on whether to hire a financial planner?

    A lot of people face multiple money issues and in most cases, they are unable to effectively manage their money.


This often leads to bankruptcy later in life. To avoid this, you need a financial planner. Additionally, those set to retire are not so sure how they’ll manage to cope without a steady income. A financial planner’s work is to offer an objective viewpoint on your financial situation.

He/she guides you in setting realistic expectations and guides you along the way. In addition, a financial planner can save you lots of hard-earned money and can make your money double as a result of making sound financial decisions.

Financial planners subscribe to well-defined principles, ethics and standards; this means they are obligated to put your needs first and even offer full disclosure regarding any conflict of interest.

Here is a checklist to determine if you should consider working with a financial planner:

You don’t know where to invest and what to invest in

Investments can be tricky, especially when you don’t fully understand what they pertain. You may end up buying a product that is not suitable for you. Moreover, you may lose a lot of money as a result of going the DIY way. In order to avoid this, it is vital to hire a financial planner who will help you find the right investment for your short and long term financial goals.

You have a lot of cash and don’t know where to begin

When you’ve come into a windfall, due to closing a huge sale or due to an inheritance, it is wise to consult a financial planner who will help you manage the money to better suit your financial goals. Furthermore, he/she also works to offset any taxes you may incur.

You’ve landed a new job

A financial planner is essential when you have a new job. He helps you figure out how to take advantage of the benefits offered at the workplace and advises you on how to invest. Moreover, he can also help come up with a budget that caters for your short and long term financial goals.

A new family status

Whether you are just getting married or you have recently divorced, a financial planner is paramount if you do not want to end up poor. He helps you reconcile differences in your spending and saving habits and untangling joint financial accounts.

Worried about the market’s volatility

In times of economic uncertainty, you may be tempted to make an emotional decision which could cost you later. A financial planner in this case is a must have as he/she will help you make rational decisions that aren’t emotionally inclined.


After spending years of your life working hard to finally enjoy your retirement, you now need a planner to ensure that you outlive your savings and retirement benefits. He/she works to make sure that your asset base is sustainable over a long period of time.

If you happen to be in any of the categories listed above, then you sure need a financial planner. Financial planners are important whether you are just changing careers or you’ve just retired. The professional advice you get is worth every penny.

Visit a financial planner today and prepare for a better future with sound financial advice and management.


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Categories: Financial Planning

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