Financial planning is providing income for life. To ensure life time income you need to set goals, budget, refer to financial records and calculate present and future net worth. The financial planner will help you understand your financial structure.

Ask these questions:
How long do I need to invest?
What current and future income  will I need?
Will you use a will or a trust to pass on wealth?
How much risk am I willing to accept to earn a higher return?

When planning for retirement you should fully fund the tax-deductible and tax-deferred savings plans that are available to you as an individual and through your employer.
401(k) Any Employer
403(b) Tax Exempt organization
SEP-IRA Ten or fewer employees
Simple-IRA Less than 100 employees
Keogh Self Employed Income
IRA  Employment Income
Roth IRA Individual