If you can answer all the following questions with absolute certainty then you do not need to employ a Financial Planner:
-How much money do you need to retire when you want and with the lifestyle that you want?
-How much money do you need to ensure that you are not going to run out during your lifetime?
-Are you taking too much (or too little) risk with your investment and retirement portfolio?
-Can you afford to educate your children or grandchildren (or both) through school and university?
-Exactly what income will your family have in the event of you/your spouse or partner dying, being off work sick or disabled for a long time or suffering a critical illness?
-How much Inheritance Tax will your estate pay on your death?
-Will you be able to afford the care that you want in the event that you cannot look after yourself in later life?
-Do you know how much you need to sell your business for to be able to live the life you want?
If you cannot answer all these questions in a precise fashion then I would suggest that you need a Financial Planner.
By the way it does not follow that you need any more financial products (the ones you have may be perfectly fine) but you will need a great plan as a track to run on.
