Then you can increase the percentage you deduct from your pay. A good financial planner is like a quarterback. Sometimes the planner hands the ball off to others and lets them run with it. Sometimes the planner passes it to others, and sometimes the planner runs with the ball himself. Above all, like a quarterback, the planner coordinates the movement of everyone on the team, making sure they know the play, their role, and when the ball is to be snapped.
Success is a result of smooth teamwork, and no team wins without a good quarterback.
Alas, analogies aren't always perfect. Let's start with the last question. No financial advisor can know everything there is to know about every single aspect of financial planning. It's not humanly possible. That's why good financial planners often draw on the expertise of other professionals to help formulate strategies and make specific recommendations to the client.