This answer is from At what point in your financial life should you hire a financial planner?
Morris Armstrong said
I think that when you ask yourself the question" Do I need to speak to a planner?" is probably a sign that you do. There are so many triggering events be it marriage, divorce, being given stock options or grants, large raise, downsized, ad nauseum......... that folks not weaned on finanical issues will need help with.
