What should go into financial planning? Insurance is no longer a myth from the world we are living in right?

Sincerity, plan for the client as though he or she is your family. Don't plan for your kpi, sales goals or next luxury good. It's hard to care more for another person wallet than yours, but being a sincere and no-hardsell advisor will earn one his/her fair share of loyal clients. Give the human touch, your clients will feel it. Oh yes, and buying something yourself to convince it is ok to sell to people is not ok.

Yes but there are still a bunch of bad grapes that sell for the sake of selling, without genuinely understanding and suggesting based on the clients needs. E.g. for advisors who ask people to buy ilps, do they buy for themselves? Why not go with a robo advisor instead, lower fees and no lock in.

Ultimately, its also a sales job. You need to accept lots of rejection, be thick skin