What does the FA do for me? In no particular order: (1) helps me avoid making emotional or "reactive" financial or investment decisions -- which in a perfect world I would not have to pay someone to do, because it is within my own control, but alas we humans are imperfect; (2) gives me access to Dimension funds; (3) does more diversification than I would do on my own and rebalances often; (4) does some tax lost harvesting, which has been valuable with the market volatility; (5) interacts with my accountant, saving me the time of doing so; (6) provides advice about asset allocation, insurance, investment questions, and other issues that come up from time to time -- and helps me think through how to balance competing goals (eg, minimizing risk versus achieving acceptable returns); (7) runs various projections and retirement scenarios that show me how much money I would have to live on, and with what degree of confidence, based on various assumptions (running monte carlo simulations, essentially); and (8) once I retire, will formulate and help me to implement a tax efficient withdrawal strategy. I feel more comfortable retiring early knowing that I have some guidance and advice, and a professional who tells me that I can do it at a certain level and that he will guide me through to make sure I don't screw it up...
Obviously I am not 100% certain that this is worthwhile -- otherwise I suppose I would not have raised the question on this forum. But it feels like it is worthwhile.