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