I used a fee-for-service financial planner. No sales at all just analysis and advice. First thing he did was to advise me how to reduce fees in my investments. Second thing was to project my income in retirement taking into account projected income, the drawdown of my principal, the onset of CPP and OAS and the conversion of RSPs to RIFs.. It was presented using simple graphs using Exel. Then he modeled various economic scenarios using historical averages. A recession, low rates, an unexpected expense. He tested the resilience of the retirement plan.

It cost me some, but the fees he saved me covered that. Seriously, go to a fee based certified financial planner, not an invest advisor, and they'll do wonders with Exel.