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.
Financial advisors are no different.
These days we might not have the luxury of interviewing family medicine practitioners to find the one we really like, but we can still do it with many of our other professional advisors, including the money people. Once you have chosen someone to work with, you will benefit most if the relationship flows both ways. You need to be forthcoming with all of your financial details. Your advisor should be asking you some fairly personal questions in order to be able to get a handle on the overall picture of your life. You are intimately involved in your own life, sometimes so much so that you can lose perspective on certain things.