Susan is convinced that she needs to save for her own retirement needs and not rely on Social Security to take care of her in her old age. She has 30 years until she retires. She will follow the advice of her financial planner, which likely includes:

A financial planner is a qualified investment professional who helps individuals and corporations meet their long-term financial objectives. Financial Planners do their work by consulting with clients to analyze their goals, risk tolerance, life or corporate stages and identify a suitable class of investments for them. From there they may set up a program to help the client meet those goals by distributing their available savings into a diversified collection of investments designed to grow or provide income as desired.

Financial planners work closely with individuals and corporations to help them achieve their financial goals.

Some financial planners may hold a "CFP®" credential as a professional designation to establish their qualifications and knowledge-base.

Financial planning includes help with budgeting, investing, saving for retirement, tax planning, insurance, coverage and many more.

Explanation: The main elements of a financial plan include a retirement strategy, a risk management plan, a long-term investment plan, a tax reduction strategy, and an estate plan.

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