By Mary Beth Storjohann
NEW YORK (AdviceIQ) -- Sometimes it's hard to tell if you need professional help for a problem or if you can handle it yourself, whether it's taking care of a common cold, fixing the sink, changing the oil in your car or doing your own taxes. The same question often arises about finances.
Financial questions pop up that you consider silly or stupid; financial problems arise that you feel you can handle alone and you don't seek help. But as happens often in life generally, not reaching out to a professional can delay you reaching your goals and cause you to incur more out-of-pocket expenses.
There are no stupid questions when it comes to your finances. Don't sit on the sidelines and fear asking a question or think you're unqualified to go to a planner. Solid and respectable planners let you know if they can't help you and refer a professional who can. They also let you know if they think you can plan your finances yourself.
Here are signs you may need a financial planner:
You recently married. To merge or not to merge finances is a huge question: emotions to contend with, forms to update, cash flow to track, debts to pay down, goals to lay out and spending habits and needs to reorganize and prioritize.
Communication during this transition helps you navigate possible questions about taxes, investment allocation updates, selecting benefits, joint roles in management of the household, deciding whether to maintain separate bank accounts and more.