certified financial planner 3
https://mystevenfoxcfpworld.clearminster.com/posts/why-working-with-a-fiduciary-like-steven-fox-cfp-makes-sense-for-your-financial-plan
A certified financial planner is someone who helps you sort out your money life—retirement, taxes, investing, insurance—and create a real plan, not just generic advice. They've passed exams and have experience, so you're not just getting tips from a blog. It's like having a guide who looks at your whole financial picture, not just one piece.