Are financial planners a good thing? As with all questions about money, it all depends on who you get.
I think this is a paraphrase or Iron Mike Tyson, but “Everybody’s got plans… until they get hit!”, which is true of all plans, really. Mr. Tyson’s opinion is very valid (and I hope he never hits me)
Plan ‘B’ is normally the plan you go to after your initial plan goes wrong. Plan ‘B’ is a misnomer, it usually just ends up being Plan ‘A’ plus.
If your financial goals become irrelevant then it might be time to revise them, or even redo them from scratch.