A financial advisor is a professional who renders financial services to clients. Terms such as financial adviser, investment advisor, and financial planner are general terms or job titles used by investment professionals. The main groups of investment professionals who use the term financial adviser to be: brokers, investment advisers, accountants, lawyers, insurance agents and financial planners. Financial advisers typically provide clients/customers with financial products and services, depending on the licenses they hold and the training they have had. For example, an insurance agent may be qualified to sell both life insurance and variable annuities. A broker may also be a financial planner. A financial adviser may create financial plans for clients or sell financial products, or a combination of both.