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You need a financial planner

Financial planners were put on this earth for one reason, to help people get and keep their financial houses in order. But so many people avoid financial planners. Why exactly is that? Are you one of those people who thinks you're better off on your own? Perhaps. Are you the person who says you don't make enough money, therefore there's no need for you to meet with one? Or maybe you're the person who says "I don't want someone all up in my business." Whatever your reason, you should seriously consider having a conversation with a financial planner because the data doesn't lie! As a society, we are seriously failing at financial planning.

Take a look at this piece that the National Association of Personal Financial Advisors published back in 2012. The findings are quite disturbing. In that piece they reference an organization, the National Foundation for Credit Counseling, who conducts an annual consumer financial literacy survey. Take a look at their survey from 2013 and 2014. It should come as no surprise but year after year, the numbers continue to be extremely disappointing. On the flip side, this should encourage any financial planner to continue to reach out to and follow up with their clients, ask those tough questions and challenge their clients to be a better financial stewards.

Financial planning shouldn't be something that we fear, but something we should embrace. If you are someone who doesn't have a plan, you need one. If you're someone who already has a plan, maybe you're overdue for a review. No matter your situation, having a financial game plan will most certainly guarantee you financial independence (however you define it) at some point in your life. And just like that old adage says, if you fail to plan, you plan to fail.