Core Insights - Financial advisors provide essential services that can significantly impact personal financial management and decision-making [4]. Group 1: Financial Management - Financial advisors assist in setting up sustainable household budgets and review them as circumstances change, such as income increases or new expenses [5][8]. - They help in planning for taxes year-round, employing strategies to legally minimize tax burdens and teaching clients various tactics to shield income from taxes [10]. Group 2: Major Life Decisions - Financial advisors can guide clients through significant life decisions, such as career changes, relocations for better opportunities, or considerations for early retirement, by assessing financial risks and benefits [6][8]. Group 3: Insurance Guidance - Advisors provide assistance in evaluating and obtaining the right types of insurance, including health, life, and long-term care insurance, ensuring comprehensive financial protection [9].