Why should people consider using a financial planner?

Hartman: "A lot of people seek out a financial planner because having an objective third party providing a different perspective clarifies things so much more for them."

Beck: "Because most people don't know how much they need to retire. It's about trying to get people to be realistic about their expectations so they can have some financial security."

Elser: "We'll help you think through your money and help determine your goals and expenses so you can make decisions about fulfilling those long-term goals."

Have you seen an increase or decrease in business due to the struggling economy?

Hartman: "I don't think it's changed but people's concerns are different. They're understandably much more nervous, especially those on the verge of retiring."

Beck: "My business activity is about the same, but people are looking for alternatives to market-driven investments."

Elser: "I've seen more people realizing it helps to have a coach look at everything and make sure they're on track and making wise decisions with their money."

What's a common mistake people make with their investments?

Hartman: "Simply not maintaining their investments or having enough diversification."

Beck: "Chasing returns and not being diversified in different types of investments."

Elser: "Until you sit down and talk about what you want, there is no easy formula."

Should people save a certain percentage of their annual income?

Hartman: "It depends on how you define it, but people need to save 10 to 15 percent of their income."

Beck: "15 to 20 percent of their money should go to their future."

Elser: "It really varies by the individual based on their situation."

How often should people review their investment portfolios?

Hartman: "Twice a year on a 'make sure everything's OK' aspect is a good amount."

Beck: "No less than annually and no more than quarterly."

Elser: "For most people, you should sit down for a checkup once a year."

Do you have any helpful financial tips?

Hartman: "We need to prioritize saving, instead of saving just what's left over from the paycheck."

Beck: "Always listen to your gut, and spread out what you're doing and diversify. If you want to save, do it automatically - it's much easier."

Elser: "Spending intentionally is the No. 1 thing. It's so easy to let money slip through our fingers. Look hard at what you spend your money on."