You and the financial advisor will discuss topics such as the amount of money you are going to save each month, your goal and purpose, the kind of insurance you need (long term care, retirement, kids education, and disability) and even tax planning. Moreover, a FA is also a teacher. Prior to shelling out money, they will discuss the the process and requirements in meeting your goals. It is a detailed discussion about budgeting and saving. As you progress, the FA will assist you in understanding complicated and advanced investments, insurance, and tax manners.