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Advice for college student: Should I hire a financial adviser or just invest in index funds?
Though @mehassee mentioned it in a comment, I would like to emphasize the point that the financial planner (CFP) you talked to said that he was a fiduciary.  A fiduciary has an obligation to act in your best interests.  According to uslegal.com, "When one person does agree to act for another in a fiduciary relationship, the law forbids the fiduciary from acting in any manner adverse or contrary to the interests of the client, or from acting for his own benefit in relation to the subject matter".  So, any of these Stack Exchange community members may or may not have your best interest at heart, but the financial advisor you talked to is obligated to. You have to decide for yourself, is it worth 1% of your investment to have someone legally obligated to have your best financial interest in mind, versus, for example, someone who might steer you to an overpriced insurance product in the guise of an investment, just so they can make a buck off of you?  Or versus wandering the internet trying to make sense of conflicting advice?  In my opinion, a fiduciary (registered CFP) is probably the best person to answer your questions.