DH & I are thinking exactly the same thing. We need someone to tell us what to do and how to do it to be more financially secure in the future while being able to afford the kids education and a bigger house. But still have some free money to do holidays/dinners etc.

I find it som confusing I don't even know where to start.

Does it matter if we don't make heaps of money? I would be embarrassed if a FP said they couldn't help us as we are too low income - IFYKIM.