In the cases when it is obvious that resources/goals are not realistic in the Financial RoadMap interview, would you tell them they will probably have to adjust their goals, or do you politely disengage?

It depends on how badly you need the business. The better case is that you politely disengage because it’s really not fun, and quite difficult, to coach people to lower their goals or reduce their spending. However, sometimes you have to work with people who are not ideal to generate enough business to get over the hump where you can be more selective.