First utilize an AI ChatBot rather than some gay dude who thinks they know what's going on in the world of financial advice.
In fact, once you've compiled and written down all of the pertinent data required to formalize a financial plan, copy and paste it into 4 or 5 different Chat bots and compare their analysis, recommendations and courses of action. You then choose a couple that you feel are closely suited to your element of risk and begin to fine-tune the responses by asking further clarification, "what-if" scenarios, what's next, tax impacts, etc.
It's available to you 24/7, it will answer every and any question you may have, compare ideas, tactics, risks and rewards. Collectively, these chatbots have the encompassing power and knowledge of tens of thousands of the best financial analysts out there. At no cost.
AI may not yet be the infallible strategist, but that hunky geek at West Hollywood Schwab likely isn't either.