I work with a local independent advisor, and while they do make money on commissions they've never advised me to go a direction that doesn't work just to buy a

I work with a local independent advisor, and while they do make money on commissions they've never advised me to go a direction that doesn't work just to buy a product, and their advice is worth every penny in fees that I pay on the money they manage (which is not most of my retirement dollars, just a small chunk, per their advice to keep it in low-fee funds.) In general I'd say find somebody you trust. Try to work local if you can. Anyway, my advisor works via a larger "network" company that provides their white-label tools to run monte carlo sims, etc and game out retirement. None of them are this accessible / slick. Definitely something to this.