Simple, Financial Planning is the process of using your money to suit your life style goals. You should plan for what you want your money to do today and tomorrow. The most important aspect of financial planning is your life style and you need money to support your life style.
Everyone is different. Some people are happy to work and save enough for retirement. Others want as much money as they can for today and they concentrate less on tomorrow, while other are very concerned about tomorrow and sacrifice today. Depending on what you want will determine what you should do. This is the process of a financial adviser to help people work out what they want and what they could do and how to make the most of what they have.
If you are able to do the above by yourself successfully then it is possible you do not need a financial adviser. Some people need help, direction, assistance or advice to achieve the above and therefore a financial adviser can help them.

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