Financial planners are important for a number of reasons. They help individuals, families, and businesses to create and implement financial plans that align with their goals and objectives, and provide ongoing guidance and support to help them stay on track.

One of the most important roles of a financial planner is to help individuals and families create a comprehensive financial plan. This includes identifying and prioritizing financial goals, such as saving for retirement, buying a home, or paying for a child's education. A financial planner will work with clients to determine how much they will need to save and invest to reach these goals, and develop a plan to help them get there.

Financial planners also help clients to understand and manage the various financial risks they may face. This includes helping them to plan for unexpected events such as job loss, illness, or the death of a loved one. Financial planners can also help clients to identify and manage other risks, such as those associated with investing, taxes, and estate planning.

Financial planners also help clients to make informed decisions about their money. They provide guidance and education on a wide range of financial topics, including investment strategies, tax planning, insurance, and retirement planning. They can also help clients to understand the various financial products and services that are available to them, such as stocks, bonds, mutual funds, and annuities, and provide recommendations based on the client's goals and risk tolerance.

Another important role of financial planners is to provide ongoing support and guidance to their clients. This includes monitoring their clients' financial progress, making adjustments to their financial plans as needed, and providing regular reports and updates.

Financial planners also act as fiduciaries, which means they are legally bound to act in the best interest of their clients. As such, they are held to a high standard of ethics and must disclose any conflicts of interest that may arise.

In summary, financial planners play a critical role in helping individuals, families, and businesses to create and implement financial plans that align with their goals and objectives, and provide ongoing guidance and support to help them stay on track. They help clients to understand and manage the various financial risks they may face, make informed decisions about their money, and act as fiduciaries to ensure that the best interest of their clients is met.