re: My financial planner isn't doing it for me. What do I do?

Nice reply to the O.P.

8) Set up your accounts to invest in them each month and split it out to the funds the way you see fit after you spend some time to educate yourself on the fund mix.

OP, I keep it even simpler than this and have kept putting money in every month. I increased it whenever I got a raise until I maxed out my 401 K 20 plus years ago. When I hit 50 and could do catch up contributions I maxed those out as well. I have gone 95% ETFs (mostly SNXFX) with a few smaller stock holdings 2 winners (AMAT) Since 1999 (SAIC) Since March 2020 1 lackluster laggard (SO) and 1 loser (C) - sold 10 years ago.

I have not ever paused or stopped or reduced contributions OR directing these contributions into the market through 9/11, 2008, COVID, etc. The account is automatically buying shares if there is money available to invest twice a month. I never need to do anything but occassionally invest a small build up of cash that is more than my auto invest amounts. My returns are mirroring the S&P 500 13.64 percent avg. since 2014 (thats as far back as schwab shows me.) You can make this work. Most importantly get it in your control, get organized and keep investing automatically.