I think a financial planner probably isn’t much help unless you have enough money that you’ve maxed out normal money things and need more exotic places to put it or you’re unable to read books or Reddit and need someone to tell you how to cover the basics.

You don’t have much to lose if you have access to free fiduciary advising. Otherwise I doubt you’ll get much, but hey, I’m not a financial advisor.

Oh, and unless you can pay off credit cards immediately, stop paying into 401k until you have. No investment and no match will come close to matching not paying off crushing interest rates.