I think that this is a false trade-off. Being "in the moment", or "present" doesn't mean turning off your brain and not planning for the future. It is possible to be present while you are planning for the future.

This amounts to, when planning, not being overly invested in emotionally anticipating the outcome of your plans. (Both good or bad, as anticipating the good will hurt your ego when the plan fails, and dreading the bad will hurt you now.)