A couple of thoughts:
1) People, including people around here, tend to conflate "investment advisor" with "financial advisor." A good FA does much more than just provide investment advice, which you may not need anyway. Insurance strategy, children's education funding, estate planning, etc. are all areas that a good FA will touch. In your case at 42, you have a 40-year or more time horizon. A second set of eyes looking at the whole plan can't hurt. A hundred bucka a year is nothing as a cost.
There are no qualifications preventing someone from printing "Financial Consultant" on a business card. Here is a slide from my Adult-Ed class where I explain this point:
As you probably know, a "Financial Consultant" is simply someone who has passed the Series 7 exam. Their loyalty is to their wallet and to the house. Their investment knowledge may be nil. If you don't decide to go with the CFP option, ditch the offered "Financial Consultant" like you'd scrape gum off your shoe.
2) A CFP designation is A Good Thing, but it is not nearly as good as the CFP Board would like you to believe. First, the CFP Board is a private corporation, albeit non-profit. The guy that runs it makes over a million $ a year. How does he make this money? By minting CFPs and collecting dues. Hence the moral hazard: The more CFPs he mints the more money he makes. The tougher the qualification criteria, the fewer people qualify and the less money he makes. The other Very Important Fact is that a CFP is NOT a fiduciary by reason of holding this designation from this private company. They would like you to believe otherwise and some CFPs even believe the hype, but unless the CFP is a fiduciary by being employed by a registered investment advisor or some similar means, he is NOT legally a fiduciary. So be sure to ask specifically whether your CFP relationship is a fiduciary one or not. Trust but verify.