Is there a professional that one can go to in order to assess one's current financial situation and get advice and follow-through on what one can do in order to correct financial errors one has made, and to prevent one from making them in the future?
I have looked at what a financial advisor does, and it seems they only manage one's investments. I feel like I know enough about investing that I could do a decent job with it myself, but I would like to get to the point where I can actually save money to make investments (aside from something like a 401k). I have also looked at what a financial planner does, and while this does seem a bit broader, including things like gathering the client's goals and make a plan to achieve it, but I am not sure it includes all the hand-holding that might initially be needed.
A financial counselor seems to have some of the requirement characteristics, such as an object third party authority that one has to be accountable to. This can be helpful for a couple who have (differing) financial quirks as it can be easier in some cases for a spouse to listen to a neutral third party. Or in general, money can be difficult to discuss objectively in a relationship without a third party to mediate and provide advice. Financial counselors also seem to focus more on budgeting. However, financial counselors also seem to be weighted more to helping people get out of debt, and not so much on people who are not in debt but are still having difficulties my themselves and may need some of the services of a planner as well.
And I'm not seeing that any of the above actually provide a lot of advice aside from canned answers. For instance, a financial advisor is going to advise you on specific investments to make. A planner is going to advise you on making a plan and implementing it. A counselor is going to advise you on making a budget. But there are lots of questions that pop up which don't fit into any of these. For instance, "My life insurance raised my rate unexpectedly, what should I do?" or even "I did the wrong thing, how do I recover, and how do I not make that same mistake in the future?" Almost like Money SE, except one who won't close your questions as being off-topic because you are paying them.
Ideally this would be a for-fee professional; I don't want somebody who is trying to sell me a product, just advice. Is there something that combines a financial counselor and a financial planner? Or is there another financial type person who does what I am looking for?