Financial Planning, or Wealth Management, focuses on providing financial services to clients and often high net worth individuals. Financial Planners typically help their clients with budgeting, saving, and cash flow planning; they work with clients that often fall in middle-class wealth brackets. Wealth Managers typically manage the money of clients with assets that are worth millions of dollars and help to plan things like real estate, risk management, and capital gains. Overall, Financial Planners and Wealth Managers focus on interacting with their clients to create specialized financial plans for them.