This is a question I come across often, particularly with young professionals. I often get the response that they’ll be sure to call me when they have some money! While I appreciate the sentiment, my answer is always the same. I believe almost everybody could benefit from working with a financial planner, and when done right, we can help you reach your goals faster than you might on your own. I personally believe a fee-only planner is best, but that is a topic for another blog post.
For some other tips, Leslie Beck, MBA, CFP® makes some great points in her guest post at the Financial Planning Assocation blog.