While I admit I need a financial advisor, I want to pay by the hour, not by a percentage of my assets. (I don't presume the advisor gets smarter as my assets increase, but I could be wrong). Through my 403b, Fidelity offers advisory services at a percentage rate, which I've ignored, but they also have reps on campus (50 miles away) who offer advice, but I've never spent the gas money). My inherited paranoia prevents objective evaluation. Does anyone have experience that may be helpful?