OP states they don't need an FA, they want one. People who wander in and read threads about the perfect way to select an FA should also know that not having one is an alternative option.
My parents continue to use Edward Jones. They pay north of $10k in fees every year. Probably more now as their portfolio grows.
They are making money and don't like the thought of "breaking up" with their FA. I get it.
I went through examples of how the fees knock down what they want to do. I used this tool to show them exactly the impact.
Compare Investment Fees
They state they are at the "end" of their investing. Maybe only 10-20 years of time left at early 70s.
They could give that $10k to church, create a scholarship at their college, cut a hole in their pocket and let it dribble out on the sidewalk to help people.
No right answer. My assumption is that if you post a long detailed post about how to select the perfect FA that it is a template for others to perhaps use. Great.
The value of these places is not only saying "great job, here is your slap on the back", but throwing out difference and alternate views.
It is very possible you will come out ahead after fees over the next X years. We won't know until X years passes. Nobody knows nothing and It's OK to be _____________.