You're off to a good start in your adult life. You've somewhat started climbing the corporate ladder and have started earning a decent income, or you've set up your own business and it's enough that your earning above the "average wage"....but you're not sure what steps to take next.
"But I don't have enough wealth to warrant a financial adviser/planner"
This is one of the biggest misconceptions out there about financial advice. There are absolutely financial planners who focus on the high net worth, or specifically advertise for clients with investible assets above $500k or $1m, however that is not all advisers.
Unfortunately, the industry hasn't done itself any favours to help the public understand that there are many financial planners out there who can help guide you on your wealth building path. If you start early, the difference in outcome is likely to be in the hundreds of thousands of dollars. If we aren't able to help, we'll point you in the direction of the most appropriate service for your situation.
"So if I don't already have a lot of money to invest, how does financial advice/financial planning benefit me?"
There are many different options out there when it comes to investment and choosing the right option for your future. The reason there is no single answer, plastered all over financial media, is because we are all individuals. We all have our own circumstances that got us to where we are, and our own values, ideals and goals that will guide the best steps to take for the future.
In these earlier years, getting started with the right money behaviours and taking small, incremental steps, will set you up for the long term, whatever your goals and values.