Seat belt pehni Kya!!
As soon as we settle down in a flight Airhostess starts safety demonstration. Does that mean flight is going to crash.
Does wearing a seat belt or helmet assures that we won't have injuries in case of accident.
No but certainly it will help to avoid severe injuries.
Financial planners are actually seat belt or life jacket for the clients, who ensures that during a accident(sudden change in behavior of asset classes) your goals Don't have severe injuries.
They would ensure that your goal funding is safe in Black box which gets unaffected even if flight crashes.
The most important part of financial planning process is selection of a competent financial planner.