Many people are under the misconception that they would need a lot of money just to get a few minutes of financial advice. Now the question is this: if financial advice was given for free, would you want one?

Learning how to create a comprehensive financial plan is sure to make a difference (even if it’s just a small dent) in your money management skills; there is simply no other way. Statistics have shown that 53% of consumers feel more secure about their finances as they learn to manage their money. Compared to those who don’t plan, they simply live a more secure life.

It’s time to talk to a financial advisor once you experience any of these:

You just got a new job

This is that group of people who think they are too young to start planning. Financial education best starts when you are still young. It’s crucial to learn personal budgeting, how to pay off debt, and how to create goals like buying a new home early on.

you just got married

Getting married means living with a person with a different financial education. You must reconcile any differences in spending or saving habits if you want to stay afloat in your married life.

The need to sit down with a financial advisor doubles as your family grows.

You have just received a large sum of money

Did you just receive your inheritance? Did you just cash a large check? Any significant event that has happened that has made you a large amount of money should lead you to consult a financial professional. If you want to learn how to manage money before it’s gone, you need to understand how to use it to achieve your financial goals.

You are a few years away from retirement

Only 37% of baby boomers are fully confident in their retirement plans; some just don’t have any. A financial advisor can help you determine how much to set aside for retirement and what adjustments need to be made to reach your new goal. Those who actually work with a finance company learn to create a retirement savings goal compared to all the others who remain clueless throughout their lives.

you have retired

After decades of building your life, you now need a strategy to withdraw the funds you have so you don’t outlive the money you have left. A financial advisor should be able to give you good advice on how to have a sustainable asset base so you always have money.