The answer is really a resounding perhaps.
Simply because certified planners are educated to cope with myriad individual monetary subjects, they are able to assist you to set monetary objectives and priorities, then suggest particular actions to meet them. This indicates they might give guidance on how you need to allocate your investments, what sort of insurance coverage you truly require and clarify how particular moves might impact your taxes or estate.
It is then as much as you to determine if you would like to adhere to that guidance. A great planner may also suggest whenever you require much more specialized assist, say, operating having a trusts and estates lawyer who might help shield assets inside a family members companies.
But if you are much more of a do-it-yourselfer, you will find sources galore that will help you. For instance, Money's asset allocation calculator and retirement preparing calculator might help you setup an investment strategy which will place you nicely in your way toward a safe retirement.