A financial planner or personal financial planner is a qualified financial advisor. Practicing in full service personal finance, they advise clients on investments, insurance, tax, retirement and estate planning.

As a general rule, a financial planner’s work can:

• Integrate into the range of professional services (eg: lawyer, accountant); or
• Integrate into the offer of a range of financial products and services (eg: financial advisor, insurance agent); or
• Not be integrated into other products or services, providing stand alone financial planning.