I noticed that in the post by Dick Quinn – beyond-fees-is-using-a-financial-advisor-advisable , couple of folks had mentioned having flat-fee advisors. I see that it is lot easier to find advisors that charge a % of the assets under management but one that I am not fond of.
Have read mixed reviews about FACET, have found two sites that have flat-fee FAs

https://www.flatfeeadvisors.org/
https://saragrillo.com/2022/03/14/flat-fee-financial-advisors/

Are there other resources that one can look up?
Part of the “holistic”

There was a discussion recently on HD about the costs/benefit of a financial advisor.
I have more questions. Who needs a financial advisor and why? I have looked up the pros and cons and certainly a case can be made for using an advisor, but not always. 
I have never used an advisor, but that doesn’t mean I wouldn’t be better off if I did.  I asked at Fidelity, but the fee percentage – I think it was 1% a few years ago –

There’s a debate ongoing in the UK at the moment around a cash-only tax-advantaged account, and if the benefit should be reduced from a yearly £20,000 deposit allowance to £4,000. This is with the aim of making people favor equity-based, tax-advantaged accounts to enhance returns. Very UK specific, but it got me thinking once again about the general idea of holding cash as a defensive asset in your portfolio for sequence of returns (SOR) risk when in retirement.

Suzie and I present a microcosm of the debate around financial advisors. I choose to use Vanguard and keep my costs low, whereas Suzie uses a former long-time colleague from her days in the banking sector who happens to be an independent wealth manager to operate her portfolio. To me, the portfolio seems unnecessarily complicated with an average fund fee of slightly over 1.5% in addition to a 0.5% advisor fee. This seems exorbitant in my eyes.

Hired a  financial advisor who has claimed to be fee-only for a plan as we are 2-5 years away from retirement.  Wanted help with projections but especially with two areas:  amount and timing of conversion to Roths and 2.  real estate as we contemplate a new or second place.   Worried I received an annuity salesperson/asset manager in disguise as the first recommendation is to “simplify” our 401ks (almost all in Schwab target ETFs) with the creation of two funds—one actively managed (presumably by them) because they “can do better”

A recent Kiplinger article lists ten questions to ask your financial advisor. This one caught my eye.
“6. Check out what car the adviser drives.
Hope that Lamborghini in the parking lot belongs to the doctor next door, not your adviser. A car can indicate how the adviser deals with his or her own money, and that will influence how they will approach managing your investments. “Clients don’t want to see you driving sports cars,” says Richard Rosso,

Question: If someone has a relatively small IRA—say, around $54,000—do they need to be as diversified as someone managing a much larger retirement portfolio?
Here’s what prompted the question.
My neighbor recently lost his wife. She had taken the lead on their finances, working closely with an advisor at a national investment firm. Now he’s on his own, trying to navigate retirement decisions without much guidance.
I tried to help by simply asking questions—not giving advice.

On my way to better things
(No time left for you) I found myself some wings
(No time left for you) Distant roads are callin’ me
(No time left for you)
– The Guess Who
It had been a while since I had been mailed the opportunity to “get guaranteed income that you can’t outlive,” “preserve your capital,” and most importantly “enjoy a complimentary dinner.” I was concerned that there might have been some sort of cosmic shift away from financial planners who charge 1% of assets or even worse that my name had fallen off the free steak mailing list.

We often hear about the power of compounding returns—how investments grow exponentially over time. But there’s a lesser-known side to compounding: the cost of ongoing financial advisor fees.
Consider a $1,000,000 portfolio growing at 7% annually. Over 10 years, that could grow to about $1,967,151—if left untouched. But add a seemingly modest 1% annual advisory fee, and your ending value drops to roughly $1,779,056. That’s a $188,000 difference.
Why such a large gap?
Each year, the fee reduces your balance before it compounds.

Last year I decided to try the advice of a “Financial Advisor”.  This trial was to be for a three month period at no cost to me.  What could go wrong.  The advisor is associated with a long running newsletter that deals primarily with Fidelity products, but they are as far as I know, NOT representatives nor endorsed by Fidelity.
My wife and I each have our separate Fidelity accounts, since she like her independence, but I have managed her investments since our marriage 37 years ago. 

I met with a Vice President of Fisher Investments, a very large and very well-advertised fee-only investment advisory firm, to see if they would be a good fit to manage my portfolio. It turns out they weren’t, and after they asked why, this was my reply:
Frank,
Thanks for taking the time to meet with me to explain how Fisher Investments works.
I respect you for asking for feedback. And since you asked:
1. I’m not a fan of the fee structure:
-Its size: Paying you $70,000 a year to manage my portfolio seems like an awful lot of money.

ONE OF THE PERILS of being a HumbleDollar contributor is that you sometimes get hit up for advice that you aren’t necessarily qualified to give.
Such was the case recently when I was having breakfast with an old buddy. The topic turned to money and investments. Joe and I have been good friends since the days when we played on the high school basketball team. We try to get together every month or so to catch up and reminisce about old times.

Thank you Jonathan for as always, for your willingness to tell your story, the good and the bad.
I have one big mistake to get out there.
About 10 years before my wife and I retired, I started getting interested in money. I educated myself about index versus managed funds, fees, etc. While both of us had sizable 403b accounts that were tied up at work, I put all our after tax money in Vanguard. When we retired,

I don’t utilize a Robo Advisor, but here is Morningstar’s assessment of the best providers. This may be of value to some Humble Dollar participants.

My husband and I are considering working with a firm that will develop a strategic financial masterplan that will include tax strategies, Roth IRA conversions, estate planning, charitable giving and gifting among other things . We are also talking with an advisor who invests in Dimensional Funds. This is a big change for us currently investing in individual stocks, bonds and mutual/ETF funds. We have worked with individual CFPs who claim they offer these services but rarely do they provide comprehensive financial strategies and the main focus is on the portfolio performance.