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Personal financial advisors provide advice on investments, insurance, mortgages, college savings, estate planning, taxes, and retirement to help individuals manage their finances. Most personal financial advisors work in the finance and insurance industry or are self-employed. They typically work.

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So given that it's Financial Literacy Month, we've decided that there is no better time than now to round up our 50 top money tips into one juicy, super-helpful.

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“We've also found that nine out of 10 advice takers stayed the course during the 2008 financial crisis,” says Catherine Golladay, Schwab's Vice.

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