An online financial planner is a money expert who can help you get your finances in order. They can provide guidance for budgeting, investing, retirement planning and taxes. They can also help you with a more comprehensive financial plan that takes into account your goals, risk tolerance and life stage. They are often a fiduciary and have passed rigorous industry exams. You can find them online or in-person.This link: https://courses.pnclearning.com/bundles/fp-canada-ce-course-bundle

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Online financial planners typically charge flat fees for their services or a percentage of your assets managed. The latter fee structure is most commonly found with investment management firms like Betterment or Mint. A robo-advisor may charge lower fees but is usually less experienced when it comes to providing holistic advice.

If you are looking for more in-depth guidance, an online financial planner may be able to give you more personalized advice than a robo-advisor. They can help you identify your short and long-term financial goals such as buying a home, funding education or retiring comfortably. They can also analyze your financial information and review your current investments to see what areas you can improve upon.

Some online financial planners can also provide advice on specific products such as life insurance policies or mutual funds. They may even be licensed to sell those products depending on their licenses. They can also help you determine how much to save in your 401(k) or IRA accounts and can help you with tax planning if needed.