A financial planner and financial adviser are different in terms of their specialisation. Financial advisers are any professional that can assist you in managing your finances; such as insurance agents, finance managers, estate planners, bankers, legal professionals and many other roles. Alternatively, a financial planner is an adviser within a specific industry, such as financial planning. Financial planners assist individuals, families and organisations and can be important in helping meet short and long term financial goals. There is no specific governing body that oversees financial advisers. At Total Wealth Management, we consider ourselves financial advisers due to our team’s range of experiences and expertise; from financial services, to accounting, to business and financial strategy, we’re able to help in any situation.