A consultant can help you identify your problem, devise a solution, and then implements it or train you to do so. In order to get the most benefit out of a consultant, you must know how to seek out the best fit for you.
If you are seeking to develop a long-term relationship with a financial adviser, we suggest you understand the motivation behind the advice you are given.
If you intend to create your own financial plan, we suggest consulting an insurance agent, a tax adviser and an estate planning attorney in addition to establishing your savings plan.