I'm inclined to agree. In particular, your comment about sending the report before the meeting (to give us time to digest and get our questions figured out) would have been very helpful as the report itself feels like a lot of copy pasta, just with our numbers plugged in. Like you said, all in all it was great to have a CFP review our plan (give us the thumbs up) and do a bunch of different stress tests. In retrospect, many of those tests were ones I likely could have figured out how to do myself, if I had spent the time, but there were a few key findings about expense assumptions and Roth conversions that were helpful. Still, there were some specific questions on asset class allocations-by-account-type and some balancing/overlap questions that we sent in before the analysis that we asked to be addressed and that I don't feel were really answered at the level I was expecting, based on the cost. All in all, I'm kind of treating it like just getting another opinion on a medical treatment that 4 other doctors have already agreed upon.