A Financial Planner is a professional who helps individuals and businesses create strategies to manage their finances effectively. They assess clients' financial situations, set goals, and develop plans to achieve those goals, which may include budgeting, saving, investing, and retirement planning. Financial planners often hold certifications, such as the Certified Financial Planner (CFP) designation, which indicates they have met specific education and experience requirements. They may also provide advice on tax planning, estate planning, and insurance needs, ensuring clients make informed decisions about their financial future.