Which financial service typically helps individuals manage and invest their money?

The correct choice is financial advisors, as these professionals specialize in helping individuals manage their finances, set financial goals, and make informed investment decisions. They provide personalized advice tailored to an individual's financial situation, including retirement planning, tax strategies, and investment portfolios. Financial advisors analyze a client's financial circumstances and recommend strategies that align with their goals, whether that involves investing in stocks, bonds, mutual funds, or other financial instruments.

In contrast, credit unions primarily focus on offering banking services like savings accounts, loans, and credit products to their members. While they can provide certain financial services, they do not typically offer the personalized investment advice that financial advisors do.

Insurance companies are primarily concerned with providing various insurance products, such as life, health, or property insurance, which protect individuals from financial loss but do not focus on investment management.

Payday lenders offer short-term loans with high interest rates, aimed at providing quick cash solutions. These services are not designed to help individuals manage their finances or invest their money wisely, which makes them fundamentally different from the role of financial advisors.