---
title: Here's When You Need a Financial Adviser
description: Here are a few scenarios when one might come in handy.
authors:
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    url: https://money.com/author/george-mannes/
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published: '2016-03-21T16:21:05.000Z'
modified: '2016-03-21T16:21:05.000Z'
section: Personal Finance
tags:
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  - Financial Planning
  - Investing
  - liz davidson
  - Money
  - Retirement
  - Saving
  - video
word_count: 105
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type: Article
source: structured-blocks
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> **Disclosure:** We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/).

![Screen Shot 2016-03-18 at 12.05.34 PM](https://img.money.com/2016/03/screen-shot-2016-03-18-at-12-05-34-pm.png)

You don't always need a financial adviser to help you out, but sometimes one comes in handy. [Liz Davidson](https://www.linkedin.com/in/lizdavidsonff), author of [*What Your Financial Advisor Isn't Telling You*](http://www.amazon.com/What-Financial-Advisor-Isn-t-Telling/dp/0544602307/), says that when you've maxed out your employee benefits, you've cut down on your debt, you have an emergency savings fund, and you still have extra money, a financial adviser can help you distribute that money so that it grows for you instead of just sitting in a savings account.

And if you are worried that you will outlive your money, then a financial adviser can lead you through your various options, some of which are complex.

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