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Financial advisors assess the financial needs of individuals and help them with investments (such as stocks and bonds), tax laws, and insurance decisions. They help clients plan for short-term and long-term goals, such as education expenses and retirement. They recommend investments to match the clients' goals. They invest clients' money based on the clients' decisions. Many also provide tax advice or sell insurance.

Personal financial advisors typically do the following:

• Meet with clients in person to discuss their financial goals
• Explain the types of financial services they provide
• Educate clients and answer questions about investment options and potential risks
• Recommend investments to clients or select investments on their behalf
• Help clients plan for specific circumstances, such as education expenses or retirement
• Monitor clients' accounts and determine if changes are needed to improve account performance or accommodate life changes, such as getting married or having children
• Research investment opportunities

Although most financial advisors offer advice on a wide range of topics, some specialize in areas such as retirement or risk management (evaluating how willing the investor is to take chances, and adjusting investments accordingly). After they have invested funds for a client, they, as well as the client, get regular reports of the investments. They monitor the client's investments and usually meet with each client at least once a year to update him/her on potential investments and to adjust the financial plan because of the client's changed circumstances or because investment options have changed.

Many spend a great deal of time marketing their services, and they meet potential clients by giving seminars or through business and social networking. Many financial advisors are licensed to directly buy and sell financial products, such as stocks, bonds, annuities, and insurance. Depending on the agreement they have with their clients, advisors may have the clients' permission to make decisions about buying and selling stocks and bonds.

Private bankers or wealth managers are personal financial advisors who work for people who have a lot of money to invest. These clients are similar to institutional investors (commonly companies or organizations), and they approach investing differently from the general public. Private bankers manage a collection of investments, called a portfolio, for these clients by using the resources of the bank, including teams of financial analysts, accountants, and other professionals.

Financial advisors typically work in offices, and approximately one-fourth of financial advisors are self-employed. Many also travel to attend conferences or teach finance classes in the evening to bring in more clients. Most advisors work full time, and 24% work more than 50 hours per week. They often go to meetings in the evenings and on weekends to meet with existing clients or to try to bring in new ones.

• Financial Advisor Marketing: The Three Types Of Financial Advisors

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  What Is A Financial Advisor?

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• Starting A Career As A Financial Advisor

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• A Day In The Life Of A Financial Planner www.financialplanet.org

  I discovered that being a financial planner has as much to do with understanding peoples’ hopes, dreams, fears and aspirations as it does money.

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  How to Become a Financial Advisor

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  Financial advisors do what many people don’t like doing for themselves: figuring out how to manage their money.

• The 10 Habits Of A Good Financial Advisor www.fool.com

  Canvas Casual Messenger Crossbody Shopping Handbag Yellow Shoulder Bag Totes Women Ecotrump That's a lot of fiscal power in the hands of a precious few, which makes choosing an advisor -- presuming you need one -- one of the most important decisions you can make.

• The Starting Salary Of A Certified Financial Planner work.chron.com

  A certified financial planner, or CFP, has completed specific education requirements and been certified by the Certified Financial Planner Board of Standards. To be a CFP, you must have an advanced degree, such as a law degree, a doctorate in business administration or a Ph.D. in economics or business, or have other advanced certification, such as a certified public accountant or a chartered life underwriter.

• How To Become A Financial Advisor www.forbes.com

  Financial advisor can be a great profession for someone who wants to head down a new career path. Why? Because it’s a job where having some life experience under your belt really helps.

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  Ben from Wealth Gospel shares his experience going through training as a junior financial advisor. I can’t help but wonder by the end of the article whether the key to any successful career is to just survive through the initial hardship.

• Financial Analyst

• Credit Analyst

• Treasurer

• Bank Branch Manager

• Investment Fund Manager

• Financial Manager

• Business Analyst

• Auditor

• Investment Banker

• Accountant

• Revenue Agent

• Cost Estimator

• Risk Management Specialist

• Securities and Commodities Broker