Why do I need a financial planner when I can do it myself? Many people think that they can do their planning on their own and achieve the results they want without any guidance. However, such decisions often lead to costly errors.

Financial planners or insurance brokers can offer you valuable advice to help you make smart financial decisions for yourself and your family. You are able to get the most out of every dollar that you spend. Find out more about various services and consumer reviews about financial planners and insurance brokers on Angie’s List www.angieslist.com. In fact, a recent poll showed that 20 percent of people polled did not have any plan at all while the remaining 80 percent had devised their own plans without any guidance or instruction.  Having a planner working with you can make all the difference between achieving your goals or not.

In fact, when you meet with insurance brokers, you can learn how to save money with numerous expenses, ranging from college planning to retirement, investments, insurance, debt management, estate planning, savings and taxes.

Payment structures vary from fees to commissions, retainers and profit percentages. Check with the advisor you choose to find a method that works for you. In fact, when you meet with your financial advisor, be sure to check a few things such as their certifications, references, experience and the methods by which they will work with you. You can also learn about planning on your own so you can ask better questions. A word of caution: avoid guarantees. Shop around and be willing to ask difficult questions. Always trust your instincts. Angie Hicks, founder of Angie’s List, advises that you can find a suitable financial advisor who is able to put together all the important aspects of your life together so that you address all of your financial concerns and build a plan that is suitable for your goals and the life you want.