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What You'll Do: The job entails: sitting down with the client to talk about financial goals, informing the client about what type of services you provide, helping your client determine the risks and benefits of certain actions, doing extensive research to help your client make the best financial decisions possible, educating the client on specific topics of interest, making recommendations for selecting insurance policies or retirement plans, giving advice on when and how to make large investments such as buying a car or home, aiding the client with managing personal finances, and assisting with planning for future investments like paying for a child's upcoming college expenses.

Much of your work will be done in an office setting in front of a computer, but you'll probably travel on occasion to meet clients in their homes or places of business and to attend corporate meetings. Full-time work of about 50 hours per week is most common for advisors. Evenings, nights, and weekends are sometimes mandatory as well.

Education and Training: To become a personal financial advisor, you will need to have a business-related degree. Bachelor's degrees in finance, accounting, economics, business administration, or mathematics are highly desired by employers. If you want to have an advantage over the competition, getting a master's degree in one of the related fields should give it to you. If you plan to be involved in stock exchange, insurance, or certain other investments, you will need to have the appropriate licenses to do business. There are other state rules and regulations that you will have to abide by.

While not typically required, certification for financial advisors is a good idea because it shows employers that you are competent and experienced. Becoming certified usually involves possessing a four-year degree, passing a standardized exam, and having three or more years of work experience.

The Future: The financial consulting profession is expected to grow at about 32% through 2020. That's an increase of 179,000 jobs from 2010 to 2020.

The Pay: Annual salaries for Personal Financial Advisors in the U.S. range from $32,600 to $166,400, with the average median annual wage hitting $67,500 in 2011 as per the U.S. Bureau of Labor Statistics.

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