At various stages of our lives, we each require certain amounts of money or advice on money that we have received, e.g. buying a new car, children’s educational costs or what to do with an inheritance etc. It could even be that you are concerned by the effect inflation is having on the buying power of your money.
In an ideal world this would be simple to achieve, so everyone would be able to make these decisions themselves. However in the real world a lot of people end up, investing these funds in accounts or products that may or may not be suitable for the objectives that they have for the money.