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Doucefleur / Getty Images/iStockphoto When it comes to financial planning, many people don’t kWhen it comes to financial planning, many people don’t know how to go about it in a way that lets them build wealth or financial security. Because of this, a lot of people turn to financial planners to help get them on track and achieve their short- and long-term financial goals. Unfortunately, just having a financial planner isn’t always enough. Even with the best advice, a lot of people struggle to break their bad money habits and build better ones that help them gain some much-needed financial independence.now how to go about it in a way that lets them build wealth or financial security. Because of this, a l…