As a member of the Forbes Finance Council, Casey submits articles for consideration to be published in Forbes. Howard Bailey pays an annual fee to be a member of the Council.

At first glance, you may find the title of this article confusing. You may be thinking to yourself, “But isn’t that their job?” While historically speaking, you are correct, it’s just not that way anymore.

Some financial planners aren’t doing much more than selling investments, but the best are providing deeper value in the form of comprehensive financial advice. The greatest benefit of working with a financial advisor is having a conductor who can pull all aspects of your financial life together into a sort of symphony. This includes not just investment planning, but also tax, income, estate, health care and insurance planning — not to mention that simply having a knowledgeable and experienced sounding board to talk you through difficult decisions and tough times provides an extra layer of financial confidence. Financial planning is about return on life (ROL), not return on investment (ROI). Your financial planner should be doing what they’re best at — maximizing your ROL — while a different specialist manages your investment portfolio to maximize ROI. Here are just a few of the reasons why this is the case.