We do however have considerable experience of Financial planning and we often refer clients to regulated Financial Advisers if a need is identified.
A simple example is when a client wishes to consider setting up an income stream that would be payable to support children in the event of his or her premature death. Your guardians may be happy to take that role, but their outgoings would increase. With planning, monies could be made available to fund expenditure.
Another simple example is Investment reviews. So many people are not reviewing existing arrangements and have no strategy to do so. Furthermore a regulated Financial Adviser could possibly recommend products that provide a degree of asset protection if an individual goes into Care.