Previously, I explained the truth about financial planning is. Then, what to expect when working with a planner. At this point, you might be wondering if hiring a financial planner is right for you. \nIf you feel totally in control, know exactly where your dollars are spent each month and have confidence that you’re making smart decisions, congratulations — sounds like you’re doing just fine.\nMost people, however, will feel things like uncertainty, discomfort, anxiety or even fear. The fact that you are even wondering if you should work with a financial planner is a sign that you could benefit from doing so. Here’s why:\nA goal without a plan is just a dream\nDreaming about the kind of life you want to live can be fun, but without sitting down and creating a plan to make it happen, it will always be just that — a dream. A financial planner will help you turn your dreams into tangible goals and develop a plan to make those goals a reality using the resources you have today. \nA fresh, expert perspective\nWhen you’re about to make a big decision you’ll probably do two things. First, spend some time thinking about your options and what you want to do, and second, talk to your family or closest friends to get their perspective on the situation. When it comes to your money, having a financial planner is like having a best friend to turn to for advice and support. In this case your best friend is an expert who will explain the implications of each of the options you’re facing and help you make the decision that is right for you.\nTime doesn’t grow on trees\nLife is short, and the precious time we are given should be spent doing things we enjoy with people we love. Unless personal finance is your passion and you get excited about spreadsheets and calculating return on investment, you’re better off hiring an expert who can get you the quality of results you’re looking for with less effort than if you did it yourself. You’ll have the peace of mind that comes from working with a professional and can spend more of your most precious resource — time — doing the things that make you truly happy.\nBottom line\nSuccess requires three elements working together — a desire, a plan and persistence. Each of us has the desire to live the life we want, but often we lack the specific knowledge to create a plan and the determination to keep at it when the going gets tough. Your financial planner has the expertise to create a plan that works and makes sure you stay accountable to its implementation. All this, while freeing up your time to live that life you want. \nSo, what are you waiting for?\nNext week, in our last post on this topic, I’ll share with you the most common reasons why people believe that working with a planner isn’t right for them, and why I think it’s their fear talking.\nDisclaimer\nThe views and opinions expressed in this article are those of the author and do not necessarily reflect that of Chartered Professional Accountants of Canada (CPA Canada).