Been there done that. Do your own advising. In the end those guys don't really do any more than your advisor at somewhere like Fidelity will do, for free. If you must get an advisor, get only one who profits when you profit. I have had advisors, none of them foresaw recessions, none of them called telling me to get out when one started, all of them made profit even when I lost money. Some made profit quarterly based on how much they managed, some of them made commissions. They all make you profits when the market goes up, they all lose money when it goes down.