Do you have a financial plan?

Many years ago, when people saw the financial adviser or insurance agent, they would simply ignore him or her. But now, more and more people have already realized the importance of having one or more financial plan, like Retirement plan, critical illness insurance plan, etc.
It is very important to have such financial plan as human being live longer nowadays.
For Retirement plan, it will ensure you are financial independent at your retirement age. If you are insured with critical illness insurance plan, then you need not worry the huge medical cost.
Some parents also bought financial plan for their children like saving plan to let them have a good start when their children grown up.
The good financial adviser will explain to you the comprehensive financial plan with options according to your need and you are the one make a final decision. The financial adviser will always come back to you periodically or if you need assistance about the plan.
If you still not take up any financial plan, this is the time that you need to consider seriously to have it, it is better that you take up the financial plan at the younger age.
I wish all of you good health.