Jehan Divecha - 9 Signs You Need a Financial Planner
                     
Jehan Divecha - Are you feeling 
overwhelmed by your financial situation? 
Do you want to make sure that your 
finances are in order and that you're 
making the right decisions for your future? 
If so, it might be time to bring in a financial 
planner! In this article, Jehan Divecha 
explores nine signs that can help you 
determine if you need the assistance of a 
financial planner.
What is a Financial Planner?
Jehan Divecha says, A financial planner is someone 
who helps you make decisions about your money. 
They can help you set up a budget, understand your 
goals and how they align with your finances, and 
work on strategies to achieve them.
Financial planners can be found in many different 
places—from large institutions like banks and 
insurance companies to small practices that may 
only have one or two employees. If you're looking 
for a financial planner, chances are good that there 
are several different options available to you in your 
area.
Why You Need a Financial Planner
You're not alone if you've been feeling your financial life is 
out of control.
The good news is that there are plenty of ways to get back 
on track, including working with a financial planner. But 
before you do, here are 9 signs that you need one:
1. You're not saving
2. You're not paying down debt
3. You're not investing in the right accounts
5. Your credit score is low or nonexistent
6. Your investments are all over the place (or they've never 
been tracked)
7. You don't know how much money you'll need in 
retirement or what your lifestyle will look like when you're 
older
8. Your income isn't enough to cover expenses and don't 
have any extra money available for fun or unexpected costs
9. You don't have a clear purpose for your finances
Types of Financial Planners
According to Jehan Divecha, When it comes to financial planning, 
there are several different types of financial planners out there. 
Some specialize in retirement planning, while others focus on 
investment planning. There are also those who focus on estate 
planning and tax planning. Here are the different types of 
financial planners:
-Retirement planners: Retirement planners help individuals save 
for retirement and plan for a comfortable future. They can assist 
with things like retirement accounts, investment strategies, and 
social security benefits.
-Investment planners: Investment planners help individuals grow 
their wealth by investing in stocks, bonds, and other securities. 
They can offer advice on which investments are right for you and 
how to diversify your portfolio.
-Estate planners: Estate planners help individuals create a plan 
for what will happen to their assets after they die. This includes 
things like wills, trusts, and power of attorney documents.
-Tax planners: Tax planners assist individuals with minimizing 
their tax liability. They can help with things like tax-advantaged 
investment strategies and deductible expenses.
What Does a Financial Planner Do?
A financial planner is a specialist who advises clients on how 
to invest and save money.  Financial planners can help you 
with budgeting, investing, retirement planning, and more. 
Jehan Divecha says, If you are having trouble managing your 
finances, or if you want to save for a specific goal, you may 
need to hire a financial planner. A good financial planner will 
help you find ways to save money and make your money work 
for you. 
Financial planners typically have experience in accounting, tax 
law, and investment management. They can offer advice on a 
variety of financial topics, including saving for retirement, 
buying a home, and paying for college. 
When choosing a financial planner, it’s important to find 
someone who is certified and has experience working with 
people like you. You should also feel comfortable 
communicating with your planner and be able to trust them 
with your personal information.