. . . SEE HOW PLANNING MAY PAY OFF Having your own financial team is a big decision, one that can affect you and your family. But it’s also a decision that can pay off in the future. Chances are you could use some expert financial advice if:You feel you are paying too much in taxes;You have gone through a major life change such as marriage, divorce, birth of a child or a change in job status in the past several years;You have recently received a significant sum of money;You need to save for future expenses such as retirement, children’s college education, home or aging parents;You are confused about conflicting financial advice from different sources; orYou want to prepare for any financial situation that may rise.