If you're like most people, you take your car to a professional mechanic for routine maintenance. You see a doctor when you have health exams. When the need for legal counsel arises, you consult an attorney. We all regularly rely on the expertise of others, and it's no different with matters of personal finances. In fact, we believe most people could benefit from working with a qualified financial professional. Here are six good reasons why:

1. You Don't Know What You Don't Know
No one is an expert on every subject. Managing finances on a day-to-day basis is one thing; implementing a comprehensive investment plan to fund your retirement while setting aside funds for your child's education is something else. That doesn't mean that you're not capable of doing it, only that you should not underestimate the expertise needed to put together an effective plan. If you're going to go at it alone, you need to take considerable time to educate yourself, and that brings us to the next point...

2. You Have Good Intentions, But Never Set Aside the Time
There's an entire industry built around providing individuals with the tools they need to do their own financial planning. Books, magazines, websites, blogs, calculators, worksheets, and videos all empower individuals to take a more active role in their financial future, whether they're working alone or with a financial professional. Not one of these resources, however, will help unless you set aside the time to research and apply it to your own situation. Working with a financial professional enables you to take active steps and to and offload the time commitment to a professional.

3. Doing Everything Yourself Isn't Efficient
There's a long list of things that we could do by ourselves but instead choose to pay someone else to do for us. For example, you could paint your house, but you may be happy to pay someone else to do it. Why? It's more efficient. You can spend the time working on other things and, if you choose the right professional, it will probably be done faster and better than if you did it yourself. The same goes for working with a financial advisor.

4. You Are Not Objective
It's hard to look at your own situation without any bias. Having someone else with experience analyze your financial condition can be extremely helpful. And, in cases where you and another person (i.e. spouse, sibling, or parent) aren't on the same page, an advisor can listen to both parties' concerns, identify underlying issues, and help you find common ground.

5. Keeping Up With Change is a Full-Time Job
Last year alone, there were four major tax legislations signed into law. Even seasoned financial professionals have had a difficult time keeping up with the changes. Not understanding how these changes might affect your financial plan could be dangerous, but understanding the changes takes time and effort (see reason number 2).

6. You Can See the Trees, But Not the Forest
A good financial professional can help you see the big picture. He or she can show you how your financial goals are related--for example, how saving for your child's college education might affect your ability to invest for retirement. He or she can work with you to prioritize your goals, implement specific strategies, and choose suitable products or services. A financial professional can also stay on top of your plan to make sure it remains on track, recommending changes when conditions, or your circumstances, dictate.