I should be more diplomatic, my apologies.
1. I'm kind of a boglehead, so I am pretty suspect of high management fee funds, presumably the kind of things financial planners push
2. I remember back when I was learning about this stuff, I read about 12b-1 fees (or whatever) and various other fees funds charge, and that seemed a big ploy to extract value from customers rather than selling a good product.
3. Unless your planner is a fiduciary, they have an inherent conflict of interest.
I suspect that for most people, VTI is a sufficient investment to do very well.
I did hire a fiduciary to help with my retirement plan though.
@mtomasky I just saw clips from the 60 minutes diss piece on Elon not being a real rocket scientist. Takes me back to the 70s or 80s as a kid and thinking it was serious journalism. I was such a chump.