Jeff mentions that most people start working with a planner as they begin to think about retirement (and that may be the focus of his practice) but a planner can have even greater impact when you are younger. I specialize in young families and first went to a planner myself when I was just in my twenties. The decisions and numbers may seem a bit daunting when you are that young, but they are the reality, so meeting with a planner even if you don’t yet have much in the way of ‘finances’ is a great way to get head start on your financial life!