Danielle Donello, financial consultant for Merrill Lynch, advises people on the most effective ways to reach their financial goals. To do so, a financial planner must follow an intricate process. “The three things I take into consideration are risk tolerance, investment experience guidelines, and the client’s long- and short-term objectives,” says Donello.

First, however, she must learn about her client. “I find out where they work, what kind of financial situation they have, and what their goals are,” she explains. Once Donello has assessed her client’s financial situation, she then devises a plan, which she uses to further assist her clients on the road to their financial goals.