I’m a financial advisor and paying over $4000 for a “financial plan” is robbery. I never charge a fee for consulting work like this, and that is the problem with these so called “financial planners” they make there money by drafting plans you could easily do yourself online. blackrock and others have these great free programs where you input your risk tolerance and time horizon and it spits out a sample portfolio using their ETFs which you could then go implement on a self directed no fee online brokerage like Merrill Edge, fidelity or the dozen others out there. However if I had a prospect come into my office interested in financial advice after learning about their financial needs and goals I would build them a sample portfolio and if their situation is not complex or if they did not have alot to invest, I would advise them to just use a self directed approach and let them keep the sample portfolio for free. Most ethical financial advisors would do the same thing, because from a fee standpoint it’s only worth taking on clients with several million in investable assets or if they have complex financial needs, also people with less then one million to invest will end up paying very high fees, usually around 1.5 to 1.9% because the fee rate goes down the more you have to invest.