When it comes to planning for retirement, the biggest concern confronting many investors is uncertainty.  From overall market Volatility, to worries about the ability of central banks to help a struggling global economy, to concerns about the impact of the U.S. presidential election on potential tax laws, investors are increasingly confused about the direction they should take in their investment decisions.

Yet that is when having a financial adviser may make the most sense.

"The number one concern that shows up in all the concerns I hear about (from clients) ... is the word uncertainty," says certified financial planner Tim Maurer of The Financial Consulate in Hunt Valley, Md. "General uncertainty, with elections, European crises, possible war in Iran, general uncertainty is a big one."   

But retirement income uncertainty is also a major worry. Will I have enough money to retire? Understanding Social Security and what retirement will mean in 10 or 20 years is also plaguing many investors.  "Running out of money, even among people with wealth, is a major concern," says certified financial planner Dan Gensler of The Gensler Group in Coronado, Calif. "Should they work longer and spend less, or are they more than set for a comfortable retirement?"   

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