Saving money can be difficult and nearly half — 42.3% — of Americans only have less than $10,000 saved for retirement. If you fall into this demographic, or if you’re just looking for a better way to start saving more, considering a financial advisor could be your best course of action. Top financial advisors can be invaluable for helping you understand the best ways to save your money, as well as how you can get the most from both taxes and investments. They will be able to shed light on how you can best plan out your financial future so that you can be as stable as possible.

Whether you are planning for retirement or have already retired, here is why you should consider speaking with one of the top financial advisors in your area.

1. You Need Help Planning Your Future Finances

Everyone needs help with financial planning at one point or another, and getting professional advice during this time could be the difference between a comfortable retirement and an uncertain one. Working with a financial advisor can help give you a better idea of how you can put your hard-earned money to work for you. By helping you plan out the best route towards your goals, you can begin saving more without worrying about ending up without enough.

Top financial advisors also stay up to date on the latest tax laws and policy changes which can help give you an edge when filing. For instance, if your considering making an IRA early withdrawal to pay for an expense, your financial advisor will be able to tell you ahead of time if you’ll need to pay tax or a penalty on the withdrawal. This can help you avoid costly mistakes that you otherwise wouldn’t have known about.

2. You Want an Outside Perspective

Top financial advisors are also a great source for gaining an outside perspective on your finances. They will be able to take an impartial look at your situation and offer the best solutions for either fixing current problems or planning for future goals. Trying to look over everything yourself can be overwhelming, and sometimes having an outside perspective can help re-frame everything so that you can have a better grasp of the situation. While some people may think they can handle everything on their own, without outside advice it can be easier than you think to overlook things and make impulsive decisions. By having an advisor look over everything beforehand, you can put yourself in a better position to spot costly mistakes or opportunities you might not have seen otherwise.

3. You Don’t Want to Handle Money

Money management is a huge responsibility and many people just don’t like handling their own finances. Instead of trying to rush through it, potentially resulting in costly mistakes, it’s important to understand that hiring an advisor might be best. Top financial advisors will be able to simplify how you manage your finances and remove some of the burdens from your shoulders. They can also help you set out a plan that works best for you so that you will be able to manage what you can without the risk of ending up in the red. Even after retirement, this can be valuable, as they will be able to walk you through how you can best make your money last without you needing to worry about it all on your own.

Whether you are planning for retirement or have already retired, a financial advisor can help you best enjoy your time without the looming burden of financial responsibility. Advisors can also help you plan out the best way to save and invest so that you don’t end up running the risk of an uncertain future.

If you need help, want an outsider perspective, or just don’t like managing finances, consider how a financial advisor can help you. Reach out today and speak with a professional to learn more about your options and how you can get started.