The need for a personal financial planner can occur at many times in your life. You may need help in resolving an isolated financial problem, making important investment decisions, planning for retirement or preparing for your children’s education. It may be a significant life change such as marriage, divorce or death of a loved one, that creates a need to assess your personal finances and determine their ability to meet future goals and needs. Or you may simply need someone to help better manage your investments. These are times when you need to make the best possible decisions. And these are the times when a qualified professional, trained to objectively analyze your personal needs and develop a plan for achieving your goals, can be of the greatest value.