Wow — You want an answer to all that?!! First thing I am going to say is that you are NOT with a true FEE-ONLY Fiduciary investment advisor. Want to find out? Just ask them to give you IN WRITING how much you paid in mutual fund fees in 2021. That will be a shocker, I’m sure. (And they are required by law to give you that info, so if they refuse you already have your answer!!)
Second, there’s a lot more to financial planning than choosing mutual funds. I have a link on my website (top right corner in a blue box) to “Find a Financial Planner. That will take you to Wealthramp — a service that carefully vets and matches you with a fee only fiduciary planner. I know a lot of them in the Chicago area, and they are all terrific. (I’m assuming you’re in this area, having watched me in the media.) Set up an appointment with one of them and get an analysis.
I’d love to hear back about your experience!