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I know that accountants work with numbers, spending all their time pouring through reams of data to determine if a company is profitable (or not), or to see if some purchase decision makes sense for the company. They read numbers like the way we read newspapers. I always thought that it was a boring job but now that I see they have work and others don’t I’m beginning to wonder if maybe I should do that myself.

Now what exactly do Financial Planners do for a living ? I thought that they would help people to plan their personal finances, but lately from what I’ve been reading it seems as if they spend all their time on the phones, pulling out numbers from a phone book at random and trying sell carpet cleaning or mutual funds to anyone who will listen. Is this true, is that the typical work a Financial Planner does: HE PUSHES sales onto others? I remember about 15 years ago as a student I tried to work for a carpet cleaning company for 3 days, finding random numbers in a phone book and then calling up customers asking if they would be interested in buying carpet cleaning services. I hated that job and promised NEVER to do anything like that again — EVER !!! So is what a Financial Planner does similar to a sales-pushing job also?

Please tell me what you know about it? Thanks.

Financial planners DO help people with their personal finances, but you can’t just hang out a shingle and expect people to walk in. It doesn’t work like McDonalds. You have to go FIND your clients. cold calling is one method of doing that. There are other ways too, but marketing is a huge part of the job until you have an established clientele.
Some companies will hire financial planners to work at corporate HQ, but they aren’t jobs that are easy to come by. They don’t pay nearly as well, but you also don’t have to market or sell.