A financial planner can best help a client adjust their expenses by

Option A

a$.$Demonstrating their competence and superior knowledge of expenses by specifying where the client is wasting money.

Option B

b$.$Educating the client about where they are spending money and suggesting places to consider for reduction.

Option C

c$.$Making adjustments to spending a condition of continuation of the engagement.

Option D

d$.$Showing the client where their neighbors are successful in saving money and encouraging them to do the same.