"Fortune favors the prepared mind."
It is easy and common to be satisfied with short term gratification; unfortunately it is a select few who turn a successful career into a successful retirement. The best athletes require trainers, the best savers require financial planners. Professional advice yields life long rewards. Whether it is "Advisor Alpha" or "Gamma" the latest research supports the tangible financial advantages of professional financial planning.
A financial plan is not a document, it is a process. Be it marriage or divorce, graduation or wedding, birth or death, life changes all the time. Changes in earnings, expenses, the stock market, or even the law require regular attention and revision to course correct a long term plan.
A solid financial plan should cover