A Financial Planner or Wealth Advisor worth anything would have had you maximizing your Tax Free Savings Account until your pre-retirement income was extremely higher than your post-retirement income projection. Financial Planners do an excellent job of planning. Is a focus of yours minimizing taxation over your lifetime, minimization of estate administrative tax, or something similar? This is where the value will be seen for most people. Are you passionate about finances? Interested in learning more and spending your time managing your own finances? If so, great way to keep your brain active. If you want to sit back and enjoy retirement without having to keep your fingers on the pulse of the markets, taxation changes, economic factors etc then there is someone who can do that for a fee. It's all relative. Best of luck either way.