• A SmartVestor pro is a financial professional who's been vetted and endorsed through Dave Ramsey's SmartVestor program. They believe in long-term investing and maintaining a debt-free mindset.

• A Certified Financial Planner is a professional who has undergone rigorous training, and experience to achieve the title of certified financial planner (CFP®). They help manage investments, retirement, taxes, insurance, estate planning and more.

• Financial planning is important because your planner reviews your goals for you and your money, then creates a roadmap to help you reach them.
• Whether you are saving for retirement, a home, or your child's education. A financial planner will always guide and help you achieve your goals.

• Many people find that contributing consistently can play an important role in long term financial growth. Even small, regular contributions have the potential to grow over time.

• Look for certifications like CFP, CFA, etc.
• Ask about their fee structure to determine if it's right for you.

• Saving is a really strong habit, but financial planning ensures that your money works for instead of you working for it. With a financial plan you wouldn't have to think about missed opportunities.

• Consider updating your financial plan at least once a year, or whenever you experience a major life change such as a new job, marriage, a child or a big move.