Here are three times when you should consider working with a financial planner:

#1 – You have a major life transition (marriage, divorce, children). Whenever you have a major life transition, there’s typically a lot of money decisions to be made, and you’ll want to have a plan in place. For example, if you are getting married, you want to make sure that you and your spouse are on the same page about your financial situation and how you’re going to use your combined money to maximize your long-term financial success.

#2 – You have a major financial decision to make. For example, if you’re highly concentrated in stock from your employer, especially if your company is going to go through an IPO, figuring out what is the right strategy for how much you want to own of that company, and how to manage taxes as it relates to your stock compensation.

#3 – You’re looking for an accountability partner and someone who will provide you guidance in your best interest.