I'm not thinking of financial advice here as "which stocks to pick", but more prosaic things like diversification, market sectors, growth versus dividend, high

I'm not thinking of financial advice here as "which stocks to pick", but more prosaic things like diversification, market sectors, growth versus dividend, high and low liquidity, short and long terms, and so on. A "plan" considers your goals, your age, your income, your responsibilities, and so on.