Financial Advisors work with people at all income levels and ages. In the past, there were very few investment options available for the average person. Many people worked at one job and received a defined pension at retirement. Today, there are a large number of options available to everyone. New retirement options, longer lives, better health, and easy availability of credit cards has made it more difficult for people to save and invest to reach their goals. Financial Advisors act as your financial coach. Their goal is to help you reach your goals.