Financial Advisory firms access the financial needs of their clients and provide them with professional investing advice for the short- and long-term. They can help their clients in their budgets, savings, stocks, bonds, education, expenses, retirement funds, tax advice, insurance, etc. Financial Advisory firms help to guide its clients on how to manage their assets and finance, plan on how to manage their funds. Although some financial advisory firms offer advice on a wide range of topics some specialize in areas such as retirement or risk management (evaluating how willing the investor is to take chances, and adjusting investments accordingly).