The COVID-19 pandemic may have unsettled many aspects of your life.

Even if your employment and earnings were not directly affected, you might have concerns about whether you’ve been making the right investments in such a stressful environment.

To prepare yourself for whatever tomorrow may hold, you may want to get some professional help — but what can you expect from a financial advisor?

A financial advisor will look holistically at your life — your family composition, your career, your hopes and dreams, your risk tolerance and other factors. Here are some of the key areas you’ll discuss during your initial meeting and at subsequent reviews:

Feelings about your financial situation — What’s most meaningful to financial advisors is understanding what’s important to their clients. Are you worried about your cash flow? Are you distressed over volatility in the financial markets? Do you have concerns about your career?

By getting at the answers to these and similar questions, a financial advisor can gain a clear sense of who you are and what matters to you. You can then follow an established process to build your personalized strategies and take the specific actions needed to achieve your goals.

Progress toward your goals — It takes patience and discipline to achieve long-term goals. As you save and invest for your goals over the years, you’ll want to measure your progress regularly. If you seem to be falling behind, your financial advisor can suggest moves such as increasing your investments or adjusting your investment mix.

Changes in your family situation — Marriage or remarriage, the arrival of new children, the departure of children for college, caregiving responsibilities for older parents — any and all of these events can make a big difference in your goals.

During your reviews, your financial advisor will consider these changes when making recommendations. Changes in your family’s status may affect your estate plans, so you’ll also need to work with your legal advisor.

Changes in your retirement plans — As you near retirement, you might decide that your original plans no longer suit you. For example, you might have once thought that when you retired, you would stay close to home, volunteering and pursuing your hobbies.

But now you’ve been thinking how much you would enjoy traveling. To accommodate your change in plans, a financial professional may recommend certain moves, such as working longer or adjusting the amount you eventually withdraw.

As you work toward your goals, you may find it challenging to navigate the financial markets and respond to the changes in your life. You don’t have to go it alone. Knowing what to expect from a financial advisor can help smooth your journey.

This article was written by Edward Jones for use by Rocky Speight, an Edward Jones financial advisor in Rocky Mount.