It is free will all the way down. (for this planet)

In between lives, you, and you, and you, and many guides/angels work with you and other beings to plan out your life. Talking to and discussing your birth with your parents, how, why, and where. (like you specifically decide your astrology chart)

Now, a web of contingencies are planned/prepared, but this is more about the structure over there. Such as, say you plan to be born as a Leo in 1990, this also has echos of Leo in 1989 and 1991

Much planning is involved, and arrangements with EVERY important person person in your life is discussed and made.

What you call destiny was all you. And, you are here, right now, and can make almost any choice in steering your life.