do you need a certified financial planner

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In China,CFP is a unfamouse work.Although it's very poular in other developed countries.In china,people often put their money in bank or buying stock.In fact,the stock proceeds is very high in 2006 and 2007.It's a abnormal phenomena.So in 2008,every shochholder has a nightmare and people are baffle. How to program your richs ,it's a quesetion for all of the people.So i think that tht CFP is the professional finander who can give you a suggesting.The financer who just like the financial family doctor can give you a suggestion what you should do and what you should not such as insurance,bond,stock,affiance and so on. So let us look the title again that do you need a certified financial planner and tell me your answer please. thank you my friend:)