meta_pixel
Tapesearch Logo
Log in
Everyone's Talkin' Money

Financial Advisor vs Financial Planner vs Money Coach: Who Do You Actually Need?

Everyone's Talkin' Money

Shari Rash

Self-improvement, Business, Health & Fitness, Mental Health, Education

4.2 • 648 Ratings

🗓️ 24 March 2026

⏱️ 34 minutes

🧾️ Download transcript

Summary

You’re doing well with money. You make a good income. You’re responsible. And yet there’s this quiet feeling that you should have more clarity than you do. You know there are smarter moves you could be making. You just don’t know who to trust to help you figure them out. So you do what everyone does. You open your laptop and search for financial help, and suddenly you’re staring at a long list of titles that all sound important but don’t clearly explain what they actually do. Financial advisor. Financial planner. Money coach. Financial therapist. CPA. Credit counselor. It’s confusing, and choosing the wrong type of help can cost you time, money, and a lot of unnecessary frustration. In this episode, Shari Rash, founder of GWA Wealth, breaks down the five most common types of money professionals, what they actually do, how they get paid, and how to know which one makes sense for your situation right now. You’ll learn the difference between financial planning and financial coaching, when a CPA becomes essential, and why understanding how someone is compensated matters more than most people realize. Shari also explains what it means to work with a fiduciary, the red flags to watch for when interviewing professionals, and the exact questions you should ask before trusting someone with your money. This episode is not about collecting more experts. It’s about understanding who solves the problem you’re dealing with so you can get the right support at the right time. You’ll hear how to tell the difference between financial advisors, planners, coaches, therapists, counselors, and CPAs, when each type of professional makes sense, how they typically get paid, and how to choose someone who aligns with your goals and values. You’ll walk away with a clear understanding of who to call for help, the confidence to ask smarter questions, and the reassurance that needing guidance with your money is normal, not a failure. If you’re ready for personalized, judgment-free financial guidance, learn more about working with Shari Rash, founder of GWA Wealth, at gwawealth.com Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

Click on a timestamp to play from that location

0:00.0

When the tax year ends on the 5th of April, valuable tax allowances may be lost simply because people left things too late.

0:08.6

Thankfully, Vanguard is here to help you make well-consider decisions, not rushed ones.

0:14.2

Their tax year-end hub is full of clear guidance, helpful tools and timely reminders to help you understand your allowances and give your investments the best chance to grow.

0:24.0

Search Vanguard Investor to learn more. When investing, your capital is at risk. Tax rules apply.

0:30.5

Must remember. Do not forget.

0:37.2

Remind me to bring photo ID.

0:40.3

Reminder, set.

0:42.1

Babe, can you make sure I don't forget my photo ID when I vote?

0:46.0

All right, love.

0:47.0

However you remember, you'll need photo ID to vote in the elections in England on the 7th of May.

0:52.4

Don't have ID. Apply for free voter ID today. Find out more at electoral commission.org.org. U.K.S.Voter ID. Get a free bet when you bet five pounds every week of the Premier League season and a big boost every day. That's satisfaction from Ladbrooks. And for extra satisfaction, here's the decency's garage style. Daily arts boosts T and Zs on labbrooks.com.

1:28.0

Oh, yeah.

1:28.7

You're doing well with money.

1:31.8

You make good income.

1:33.4

You're responsible.

1:34.6

You're not out here making reckless decisions.

1:37.2

And yet, there's this quiet underlying feeling that you should have more clarity than you do.

1:43.9

Like you're one level below where you're

1:46.5

supposed to be. You know there are smarter moves you could be making. You know there are things

1:51.8

you're probably missing. You just don't know what they are or who to trust to help you figure it out.

1:57.8

So eventually, you do what everyone does. You open your laptop and you

2:02.6

type in something like financial advisor near me. And suddenly you're staring at a wall of titles.

...

Please login to see the full transcript.

Disclaimer: The podcast and artwork embedded on this page are from Shari Rash, and are the property of its owner and not affiliated with or endorsed by Tapesearch.

Generated transcripts are the property of Shari Rash and are distributed freely under the Fair Use doctrine. Transcripts generated by Tapesearch are not guaranteed to be accurate.

Copyright © Tapesearch 2026.