A. You can try to answer the following 3 questions, your answers will help you assess if you need to work with a financial planner or not.
Question 1. How complicated is your current financial situation?
Are just out of college or at the peak of your career? Are you still a single or have a large family with lots of conflicting demands? The simpler your situation is, the less the need to work with a financial planner.
Question 2. What are your financial objectives?
It could be very simple one - save for retirement, or a complicated one such as estate plan. And there are many objectibes
in between - buy a home, maximize investment return, fund for kids' college, ... The simpler your objective, the less the need to work with a financial planner.
Question 3. Can you execute your own plans?
Not everyone is disciplined, regardless how good your plan is. Don't fool yourself, just look at your track record - how frequently you deviated from your plans in the past? The more disciplined you are, the less the need for a financial planner.