Re-assess the relationship on a regular basis. This should be a long term relationship and you need to be aware of what is going on at all times. A good financial planner will understand how to adjust your investments and portfolio to meet your needs, moving from higher risk investments to lower risk as you get closer to retirement.
There are plenty of times when you will need to call on a financial advisor. Call on them to manage your money from the beginning. Call on them to manage your new home purchase, your new business acquisition or even just for planning for retirement. These are individuals to call on for any large or small financial decision.