In which of the following scenarios should the individual opt for a financial advisor rather than a financial counselor to be most productive?

• Ali makes minimum wage from a part-time job and needs basic advice for starting a financial plan.
• Maya wants to reopen her clothing boutique which closed its doors due to nonpayment of its suppliers.
• Amy needs to buy three types of insurance: health, life, and long-term care.
• Grey needs to create a plan to clear her overdue credit card payments.