I have approached a FP once and was sent packing when they found out about my 'inherited' trust(s). I am a DIY'er (with money at least -- let's not talk about home improvement projects). My ego would have me believe I can do everything the best way. Experience shows this is not true. For people like me, perhaps the idea to see a fee only planner on a case by case basis would be good ... to have that 2nd opinion before major (and especially expensive or irrevocable) decisions.