Not having a comprehensive picture of your financial situation can lead to feeling out of control, spending without control, and not having the proper protections in place in the event of an emergency. A financial advisor is trained to help you cover all the bases. Two heads are often better than one, and even if you have thought of most of the angles, you can sometimes go just one step better if you've got a little help. Even if you do spend some time beefing up your financial acumen by reading and surfing, for every bearish perspective on the volatile stock market you see, you can find another that is equally bullish. A smart advisor can help you put it into perspective.
Insurance is one of the more difficult areas to assess.
While many people are under insured, there is actually such a thing as being over insured. An advisor with insurance credentials can help you there. With government pension schemes regarded as a bonus by many sceptical individuals, it makes sense to prepare yourself adequately for the time when you are no longer working full time, if at all. Financial advisors are equipped with all sorts of tools to help you assess how much money you will need, and how to get there. As I have said before, there are competent and wretchedly incompetent people in every line of work, from surgery to boot polishing.