A personal financial plan should not be your plan to save more or buy a product. It should be your plan for living your one life with more confidence.
Ludwig von Mises describes what you do naturally. He also points out the natural incentives of your hired professionals.
“Whatever people do in the market economy, is the execution of their own plans. In this sense every human action means planning. What those calling themselves planners advocate is not the substitution of planned action for letting things go. It is the substitution of the planner’s own plan for the plans of his fellow-men. The planner is a potential dictator who wants to deprive all other people of the power to plan and act according to their own plans. He aims at one thing only: the exclusive absolute pre-eminence of his own plan.”