It is already known that humans are coping with a number of cognitive biases when making a decision or searching for a solution. After going through the list of all known human biases, the recognition of human's illusion of control becomes strong.
Your very success may well depend on sticking with a well-designed and considered financial plan when it is the hardest to do so. This is the capital "R" reason you may want a lifetime financial advisor.
In the past, much of the workforce had a portion of wages seamlessly and automatically reserved for the future in investments managed by employers. Now, most of us need to make an active choice to put money toward distant goals.