A professional financial planner ican help you to create and implement a financial plan to achieve your goals and objectives. This can include setting financial goals, creating a budget, reducing debt, saving and investing for the future, and protecting your assets.

If you are struggling to manage your finances, are unsure of how to achieve your financial goals, or are simply looking for guidance and advice, then a financial planner can be a valuable resource. A financial planner can provide personalized advice and recommendations based on your unique financial situation and goals, and can help you to make informed decisions about your money.

On the other hand, if you are confident in your ability to manage your own finances and have a good understanding of your financial situation and goals, then you may not need a financial planner. In this case, you may be able to achieve your financial goals on your own or with the help of online tools and resources.

Overall, the decision to work with a financial planner is a personal one, and it is up to you to determine whether the benefits of working with a professional outweigh the costs. If you are unsure, it may be a good idea to speak with a financial planner to get a better understanding of what they can offer and how they can help you.

are all financial planners dodgy

Not all financial planners are dodgy. While there are some financial planners Melbournes who may not have the best interests of their clients at heart, there are also many financial planners who are knowledgeable, ethical, and professional.

It is important to do your due diligence when choosing a financial planner to work with. This can include researching the planner's credentials, experience, and reputation, as well as checking for any disciplinary actions or complaints against the planner. In addition, it is a good idea to ask the planner about their approach to financial planning, and to make sure that their philosophy and recommendations align with your needs and goals.

It is also important to remember that financial planning is a regulated industry, and financial planners must adhere to certain standards and guidelines. In Australia, for example, financial planners must hold a relevant qualification and must be registered with the Australian Securities and Investments Commission (ASIC).

In general, it is a good idea to be cautious when working with a financial planner, and to do your research to ensure that you are working with a professional who has your best interests at heart.