Our financial advisor seems quite happy to talk about things that don't appear directly relevant to the purpose of the call. I think it's relationship-building or something like that. One approach might be to relax and let the other person steer the call. After your alloted time, if they haven't made any sensible and useful suggestions, or if they're making claims of savings that exceed your total expenses, well, they didn't earn your business, on to the next one.
Another, and one I'd be more likely to suggest, is to know what you want from the meeting. You want a plan that exceeds the performance (as defined by you) of your current strategy, by more than enough to justify the fee this person wants to charge you. You don't want a new best friend, nor someone who can calculate how much you need to live on, nor tips on knowing if it's time to retire. So when they ask a question, answer it with that in mind.
Say they ask "do you have grandchildren?" If you were just building a relationship with this person, then the ages and names of those grandchildren, along with some of their recent accomplishments, would be a lovely topic of conversation. If you needed advice on setting up trusts or inheritances or whatnot to ensure those grandchildren will be provided for, then at least their existence and ages would be relevant. But it has nothing to do with whether there is less risk, more return, better tax treatment or whatnot in plan A compared to what you're doing now. So answer it as quick as you can, or better still, take a trick from media training, answer it and then bridge to your message.
Why yes I am lucky enough to have two, and to see them a lot. Their parents are well set up meaning I don't have to worry about covering their education and such like. That's why I'm focused on [the thing you define as better performance] and am looking for suggestions that will beat what I'm doing now.
You don't need to do the bridge-to-message in every answer, but you can just quickly answer what was asked, and every few questions remind them what you are here to talk about: a plan that will do better than what you're doing now, with a nice crisp definition of better that is specific to you.
Don't refuse to answer stuff, but they don't need 15 minutes on your dream to buy a home in the country or how much you hate traffic. They need to know what you want from them, with some crispness, and to be sure they aren't recommending things that are wrong for someone in your position, which requires understanding what your position is in addition to your definition of better performance.
