For honest and objective money advice, a financial planner is the best route for many to take. Certified financial planners have a responsibility to provide recommendations that are in your best interest. Business Insider reports that the top tips from financial planners are: 1. 'Work hard and save most of your money'. Planners recommend an interest-bearing savings account. 2. Tackle your 'bad debt' first. Pay as much as you can toward credit card debt and high-interest loans. 3.