Think of your financial future like a home renovation project.  A successful home renovation is dependent on a well-designed plan and the right General Contractor.  The same elements are critical to making any changes to your financial situation. No matter how large or small the project, hiring an experienced adviser with demonstrated competence in all financial planning disciplines (cash management, investments, tax, estate, retirement, and insurance) improves the likelihood that your vision of the future will be realistic and fulfilling. A professional adviser can save you time and help you avoid costly mistakes. The benefits you receive will exceed the amount you invest. These returns come to you in various forms, certainly financial, but to a greater extent through improved family relations, increased confidence in yourself and you ability to handle family finances, a sense of personal pride for your accomplishments, less stress caused by cash management issues, and many more.