Do you need a financial adviser or a counselor?

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Many people, uncertain how to decide among so many financial choices, need advice to help them improve their decision making. But often, people who have managed to save and think seriously about their life and future may need a financial counselor more than a financial adviser.
The distinction between the two may be indecipherable at a high level. But Bill Burnett and Dale Evans, in their book “Designing Your Life,” provide a helpful explanation that translates well to personal finances. As they suggest, counseling is when someone is trying to help you figure out what you think. Advice is when someone tells you what he or she thinks.
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