A financial planner  is a practicing professional who prepares financial plans for people covering various
aspects of personal finance which includes: cash flow management, education planning, retirement planning, investment planning, risk management and insurance planning, tax planning, estate planning and business succession planning (for business owners).

The work engaged in by this professional is commonly known as personal financial planning. In carrying out the planning function, he/she is guided by the financial planning process to create a financial plan; a detailed strategy tailored to a client’s specific situation, for meeting a client’s specific goals. The key defining aspect of what the financial planner does is that he considers all questions, information and advice as it impacts and is impacted by the entire financial and life situation of the client.

The best results of working with a comprehensive financial planner, from an individual client or family’s perspective are:

• To create the greatest probability that all financial goals (anything requiring both money and planning to achieve) are accomplished by the target date, and
• To have a frequently-updated sensible plan that is proactive enough to accommodate any major unexpected financial event that could negatively affect the plan, and
• To make intelligent financial choices along the way.

Once your goals have been set it is of upmost importance to review your strategy and make any adjustment to the plan so that your retirement goals are fulfilled.