While planning a trip to London in 2010, I worked with a travel planner for the first time. And she suggested something odd. Or at least I thought it was odd at the time.

I took my kids, who are 8, 13, and 16, to Disney World. We chose to hire a private tour guide for the day we went to Magic Kingdom and Epcot. We slept in, enjoyed breakfast, and went to the park ...