You can do a basic “needs analysis” on your own using the resources provided here or with a simple computer program or do-it-yourself book. But, if your needs are complex, or you want guidance from a professional, there are numerous trained financial planners who will provide an analysis. Some “fee only” planners charge for an objective analysis and do not sell anything. Still others charge a fee and credit you back with any commission they earn from any insurance or other financial products you purchase based on their recommendations.