“What may be done at any time will be done at no time.” —- a Scottish proverb
Making and executing a financial plan is a time consuming process. Documents are gathered, ideas developed, goals set, accounts managed, taxes filed… just thinking about it is exhausting! Some people would rather have a root canal!
An important role the professional financial planner plays is to make sure things get done and the client is on track.
It’s true that if you are working and saving you have some kind of plan. Even in default there is a plan. But is it a good one? Is it adequate? Is it the best? Is it simply being done “at any time?” That’s usually not enough.