A financial planner can assist during significant life changes, helping to manage income, debt, and stress. They aid in setting realistic goals, creating long-term plans, and developing investment strategies. When choosing a planner, check qualifications, interview multiple candidates, ask for references, compare fees, and understand potential conflicts of interest. Financial planners can be compensated through fees, commissions, or salaries. It's essential to ensure their services align with your financial needs and goals.