*_The Sinking Boat_*
In a sinking boat, the boat man becomes your Guru and you obey him instruction by instruction because of immediate threat to life.
On the other hand you love to argue, educate and teach your Financial Advisor about his job because threat to life is not immediate.
Remember without financial planning your life’s boat too has a hole called inflation and the leakage is going on all the time; The only difference being a sinking boat takes you down immediately while a sinking life will keep one afloat much longer but will eventually take you down.
As you make your spiritual guru, make your financial guru (not any agent) also.