Financial planning, an outcropping of the services typically provided by a stock broker or account executive, include investment advice, insurance sales, retirement planning, and various other assessments and planning to meet financial goals.
The average income tax refund (overpayment to the government paying no interest) is about $2800. Instead of blowing that money, it's time to get serious about ensuring financial security in retirement. With as little as $100 (yes, one hundred) you can start a Roth IRA with Schwab in their total stock market index fund (SWTIX) https://www.schwabplan.com/FundDetail/SWTIX.pdf For $1,000 consider a target retirement fund Roth IRA with Vanguard: https://investor.vanguard.com/mutual-funds/target-retirement/#/ Get started today!