Financial Planning is about how to utilize all of your existing and potential resources more efficiently, so one can achieve their goals more effectively and sooner.
Having a financial adviser looking at your financial matters from an objective bases without any emotional attachment can create enormous shift in your financial well-being.
Financial planning is beyond being about financial products. Many people have a misconception when they hear about financial planning. They think it is about financial products that financial advisers/planners are running behind them to sell.