To help individuals maximize their income and plan for a secure future, CPAs offer a variety of financial services, which include: personal financial planning, retirement and estate planning, college funding, investing, risk management and business succession planning. A few ways CPAs can help individuals with financial planning include: developing a personal budget, offering recommendations on ways to save for college or planning for retirement. CPAs can also offer advice on investment opportunities or assist with estate planning needs to ensure beneficiaries receive the maximum benefits.