Financial planner is a general term that refers to a professional who helps businesses or individuals achieve their financial goals. Financial planners often provide financial a comprehensive range of services including investment advice, wealth accumulation, asset protection, debt reduction, retirement planning, insurance advice, estate planning and even some input on taxes. The Certified Financial Planner (CFP) is a well-recognized professional certification that is given to financial planners who have completed a substantive set of course work, passed a set of exams and participate in continuing education programs. Financial planners often--although not always--work on a fee-basis. Their focus is typically--although not always--on providing objective and comprehensive financial advice rather than receiving commissions on the sale of financial products.