Here is another good article published this week on the subject of the advantage of having a plan and what it should include.

Generally speaking, seeking advice will help you see the big picture and establish your options with the pros and cons of each course of action. We are not there to tell you what to do. That is not what this is about. We are there to outline your financial options and help you understand them so you can make informed decisions. 

Read the Globe & Mail article here