A financial advisor is a professional who helps individuals and businesses manage their finances. They provide guidance on various topics, including investments, retirement planning, and budgeting. Financial advisors assess their clients' financial situations and create personalized strategies to help them achieve their financial goals. These professionals may hold certifications, such as Certified Financial Planner (CFP) or Chartered Financial Analyst (CFA), which demonstrate their expertise. Financial advisors can work independently or as part of a larger firm, and they may charge fees, earn commissions, or use a combination of both for their services.