Want an edge in retirement? Do you want to maximize your retirement income? An independent financial advisor will gather information about your financial condition and your goals and objectives. He or she then analyzes your present financial situation, your attitude towards investment risk and assesses your value on money. All this information is then compiled into a report that includes a proposal for a future plan with its implications, pros and cons. in addition to this, the plan should include the cost and tax effective approaches of the plan. On completing the report, your independent financial advisor will meet you to discuss the report in detail and answer any questions you have. This is when you choose, and agree to the implementation of the plan, its cost and how you will pay for its services.