A financial planner is a professional who helps you plan your finances and understand money. Sounds simple, but in a complex world of investments and taxes, it's a difficult job.
When selecting a financial planner, find somebody who is certified, bonded, and insured. Personal recommendations should help you identify somebody you can trust.
Because of busy schedules, a financial planner can help remove much of the stress of investing from your shoulders. As you identify your long term goals, (s)he can help you invest wisely to meet these goals. Financial goals to consider include retirement and becoming debt free.
Financial planners work for either fees or percentages of the amount invested. Speak to them and learn about the fees charged before you sign up.
The benefit of a financial planner is that this is their area of expertise and are generally going to have better information at hand regarding proper investing techniques and plans. Unless you have the time, energy, and knowledge, consulting with a financial planner is a great idea.