Financial planning can be a confusing term.  It really just means "advice about financial issues."  It could be as simple as seeking advice on a single topic, like how best to allocate your savings or whether or not to invest in your brother-in-law's new day trading venture (no, you shouldn't).  It could also entail a detailed review of your finances, setting financial goals, and putting a plan together to help achieve them.   

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There are plenty of sources for financial advice: investment advisers, financial planners, financial consultants, your cousin down at the pawn shop, websites, astrologists, fortune cookies, etc.  Take the time to understand the different types of advisers, the services they offer, their work and educational background, and how they charge.  Weekly takeout Chinese with a new fortune cookie is a lot better than bad financial advice.