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Summary List Placement

• Financial planners aren't just for high earners or soon-to-be retirees — they're also helpful for many people in their 20s. 
• A financial planner can help you achieve big goals, like saving for retirement or buying a house.
• They can also answer all your money questions and hold you accountable for your goals.
• Looking for a better financial advisor? Take the next step and talk with a trusted expert to review your portfolio »

If you've ever wondered if you should see a financial planner, the answer is probably yes.

While many people believe that only those who are approaching retirement age or earning a high income need a financial planner, that's not true. Even 20-somethings can benefit from a session or two with a financial planner. 

There are four reasons you should consider setting up an appointment before you turn 30. 

1. They can help you make a plan to achieve a big goal, like buying a house

A financial planner can become your go-to person to help make a plan for big goals. Whether you want to buy a home, retire early, or pay for your children's college education, your financial planner can be a great resource. 

These big goals can feel overwhelming — they involve saving big chunks of money over long periods of time. A financial planner can help you break these big goals into smaller pieces, and start you on a sustainable track for reaching them. 

For the typical 20-something, these big goals can feel unattainable. However, your financial planner could help you chart a path with clear steps to make it happen. 

2. A financial planner can hold you accountable for your progress

Just having goals and a budget isn't always enough — you might need help sticking to them. If that's you, a financial planner could be the right person to help you stay on top of it all. 

Financial planners can help you make a budget or plan out money goals. And they can also be a great resource to hold you accountable for the steps needed to meet those goals in a way that your friends, family, or partner can't.

If you're struggling to stick to plans and goals you make yourself, a financial planner might be a smart move. Find someone you trust, and who is available to have regular meetings or check-ins. 

  3. You can get ahead of the retirement savings curve, and save yourself trouble later

Saving for retirement is a process that takes many years to accomplish. Having someone who knows the process to help the start will be a big help over the years.

Savings grow with interest over time, and the sooner you start saving for retirement, the sooner you can start taking advantage of that growth.

Waiting until you're almost ready to retire to perfect your savings game isn't the right move. You might find that you need to start saving more or save in a different type of account.

4. They can answer all your money questions, no matter how big or small

Unless you're a financial expert yourself, you probably don't have all the answers to your money questions. But a good financial planner will.

Whether you need help deciding between whether to pay off debt or save, or just need help making a feasible budget, a financial planner can help. 

In your 20s, there's a lot vying for your attention. A financial planner could help you fill in the blanks and take care of your money, allowing you to focus on the things your 20s are all about.

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