hi im opening a small financial service business and am wondering if i need both document and experience cloud as i have acrobat reader
Really depends on type of business and requirement for marketing initiatives for your revenue growth.
I recommend taking a look at this document: Link
In case you are emphasizing more on "digital" business, then I recommend using document cloud, creative cloud and experience cloud for sure, since digital presence requires digital properties such as websites, apps, assets (images, pdfs, flyers, brochures). Along with it, ease of customer engagement, data analytics, real-time marketing automation are inevitable!
Let me know if you have specific questions, very happy to share my thoughts.