A financial planner doesn't do anything you cannot figure out on your own with enough time and energy.
The opportunity cost, of course, is all the other things you could have done with that time and energy.
Time with the kids. Golfing. Learning guitar. Date night. Reading a book.
It's up to you. Personally I'd rather hire someone to do the stuff I don't love doing myself.
Life's too short.
Here's a link to the Seth Godin blog post that sparked this one… (if you don't read Seth, you should)
DISCLAIMER: This publication is for educational purposes only and should not be considered financial, tax or legal advice. These statements have been simplified for illustration purposes. Consult your financial planner or tax advisor for help with your specific situation.