Determine your goals
It is true that people are dealt different financial hands. However, sound financial planning is not just for high-net-worth individuals. The key is to make the most of your income, assets and other available resources.
(Read more: Education is key for today's investors)
Getting good financial tips from family and friends and from reading books and watching TV can assist in moving your financial agenda forward. However, the winning ticket for realizing a greater degree of success may come from working with a financial planner who can keep you focused on your financial goals.
Start by identifying where you are on your financial journey.
Ask yourself some key questions: Do you want a second opinion on how you have managed your investments? Do you have questions about how to fund both a child's college education and your own retirement? Are you recently married or divorced and looking for ways to manage your new household income? Are you wondering how to get out from under student debt?
(Read more: Saving smart in your 20s)
These questions reflect only a few of the common financial-planning situations in which your decisions and actions will play a huge role in shaping your life outcome.