Financial planning involves creating a comprehensive plan for achieving your financial goals, while financial advising typically involves providing advice on specific financial products or investments. Financial planners often provide both planning and advising services.

When choosing a financial planner, consider their qualifications, experience, and professional designations. Also, be sure to check that they have a fiduciary duty to act in your best interest, and find out about their fee structure. It's also important to ensure that their approach aligns with your financial goals and risk tolerance.

The cost of financial planning can vary depending on the services provided and the experience of the planner. Some planners charge an hourly rate, while others charge a flat fee or a percentage of assets under management. Be sure to discuss costs upfront with the planner before engaging their services.

Financial planning can help you to achieve your financial goals, increase your savings, and reduce your stress about money by creating a clear plan for managing your finances. Additionally, a financial planner can help you to make informed decisions about investments and insurance, as well as assist with estate and tax planning, and much more.