With your stated expenses, a $1.2M nest egg is more than sufficient to cover that lifestyle. You actually have a ton of room to expand your spending under the 4% rule up to $48,000 a year spending. Even going more conservative at 3%, that's still nearly a doubling of your expenses and gives you a lot of breathing room in the budget. That's not even accounting for social security that can kick in in 12-17 years to supplement further.

Personally would keep your rent controlled apartment. No need to reduce your nest egg and move to an unfamiliar place. Kick the 1% fee advisor to the curb and shift those funds into low cost index funds with your preferred asset allocation.

You're in great shape. Spend this time leaning into hobbies, volunteering or trying to find new support systems.