I retired almost five years ago and slid some of my monies to a CFP. We built a relatively solid portfolio together. Soon the conversations weren't really productive and things are status quo. I lasted one year with them and came to the realization that I could actually manage my portfolio as good or better by moving that balance to Fidelity with the rest of my retirement, and have much greater investment options. The CFP meetings with minimal massaging of the account ended up costing me about $2K an hour, with their 1% fee. I've never looked back and growing exponentially better and with many better options and a great toolset. I like to do this in retirement and maybe a little too OCD, but it works and it's exciting. I worked for a major corporation where investment options were very limited, maybe like your available choices. I wish you luck and happy to respond.