There is no single right time, but earlier is generally better. Many people first seek a financial advisor when they experience a major life event — a job change, marriage, inheritance, approaching retirement, or receiving a pension estimate. If you are within 10 years of retirement, working with an advisor now gives you the most time to optimize your income, tax, and investment strategies before you stop working. Even if retirement is 20 or 30 years away, an early financial plan can have a significant impact on your long-term outcomes.