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1. How a Financial
Planner Helps Save
You Money

2. Introduction
For the average person, the world of finances is
often pretty confusing. Figuring out how to take
your income and pay all of your monthly expenses
is tricky enough, not to mention making
investments and planning for the future.
That’s why so many people seek the help of a
financial planner. Having expert advice and
guidance at your disposal will help you organize
your finances and will even save you quite a lot of
money over the long term.

3. What Is a Financial Planner?
Basically, a financial planner is a professional who
specializes in helping people with their finances. A
financial planner can help you:
 Organize your financial life
 Create a financial portfolio
 Plan for the future
 Make worthwhile investments
 Evaluate risk
 Allocate assets

4. Offers a Variety of Options
One of the ways a financial planner can help you
save money is by offering a wide variety of options
for you to organize and plan your finances.
By being thorough and guiding you through many
different possible routes to take, the financial
savings will add up over time.

5. Retirement Savings Plan
One key area that a financial planner will help you
with is your retirement. For many people,
retirement seems so far away that they really can’t
be bothered to try and formulate any thoughts
about it, let alone a detailed plan.
When a financial planner gets to work on your
retirement savings plan, one of his main priorities is
to find ways to save you money over the course of
the plan. You might find your way there alone, but
a financial planner will show you how to save more
than you could ever hope to manage alone.

6. Tax Reduction
It’s no secret that making investments and saving
money will result in you paying more taxes. It’s also
no secret that most people would do just about
anything to avoid paying them, as long as it’s
legal.
A financial planner has seen every situation before
and knows which kinds of investments and savings
plans will reduce the taxes you have to pay.
Reducing your taxes should definitely be part of
any financial planner’s overall vision.

7. Helps Set Realistic Goals
Sometimes, when we take the initiative to plan our
own retirements or get our financial lives in order,
we get a little over zealous. It may seem like a
good plan at the time, but after awhile it becomes
apparent that it’s way off balance on the reality
scale.
A financial planner helps you set realistic goals and
create actionable steps to achieve them. Keeping
everything realistic for your situation will help you
stick to the plan and save money over time.

8. Diversification
Along with offering several different options for
your financial planning portfolio, choosing the right
blend of investments is another way a financial
planner saves you money.
The art of choosing just the right mix of investments
and asset allocation at just the right time is yet
another quality that makes a financial planner
valuable to you. Once a planner starts the
diversification talk, you know that he’s serious
about taking your plan to the next level.

9. How to Choose a Financial Planner
Hiring a financial planner is a great way to get your
financial life organized and save you money, but
you can’t just hire anyone. Ask questions like:
 What type of education do you have?
 How much practical experience do you have?
 What are your fees?
 How are you compensated?
 Can I speak to current or former clients?
 What services do you provide?

10. Questions to Answer
In order to save you money and plan your financial
life, a financial planner needs to ask his own
questions. Be prepared to field questions like:
 What is your financial situation like?
 How much do you make? How much do you owe?
 What are your short and long term goals?
 Do you have any current investments?
 Do you have a current retirement plan?
 Do you have a will?
 Do you owe any outstanding taxes?

11. References
http://money.ca.msn.com/savings-
debt/alison-griffiths/how-a-financial-planner-
can-save-you-money
Canada MSN Money
http://www.getsmarteraboutmoney.ca/en/
managing-your-money/planning/financial-
planning/Pages/what-to-expect-from-your-
financial-planner.aspx#.UPBbAEazeDk
GetSmarterAboutMoney.ca