The major reason given for not pursuing a financial plan is that people don't think they make enough money to worry about it. This is a fallacy. If you work at all, you need financial planning. If you own a home, you need planning. If you are married or have children, you need planning. If you want to retire any time during your life, you need financial planning.
Many Americans confuse financial planning with investment management. Financial planning takes a holistic look at intangibles, like your personal goals, your stage of life, your family situation, as well as income, assets and debts. Investment management focuses more on managing your assets, and making the most of them in a tax advantaged manner. Using a financial planner to set your course, even if you only do it once, can set you in the right direction to save and invest more money so that you will need an investment manager in the future.
Your financial planner is valuable in helping you communicate with your spouse and family, set a budget, get credit cards under control. Not to mention, when you retire, you will be faced with drawing down assets. Investment managers are good at building assets, but it takes a different skill set to help you effectively make those funds last through twenty, thirty, or more years of withdrawals.