Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to choose a financial planner [title] Evaluate your financial goals. [step] Before you choose who will manage your money, you should know what your goals and expectations are for that money. This can help you choose the financial planner that's best for you, and it can keep your expectations grounded in what you hope to achieve.

Ending1: [substeps] Begin by labeling your financial goals based on what you're looking for. Say, for example, that you want to save for a down payment on a new car on a saturday. Ending2: [substeps] In some cases, you may find financial planner skills to be incredibly helpful. For example, financial planner skills focus more on the big picture, ensuring you understand your financial goals and are able to think logically. Ending3: A financial planner can help you manage your money at any stage of life. [substeps] In the early stages of financial planning, a financial planner can help you establish/maintain good credit, manage student loan debt, purchase a home or vehicle, and develop a budget that works for you. Ending4: [substeps] Remember to review your goal checklist when deciding which financial planner to choose. Your goals are based on how you use money to make money, not your needs.

Answer format: ending1/ending2/ending3/ending4