Suppose you expect $1500 after taxes from SS at age 62 ($18,000/year). You have 9 years to go, so that would be $162,000. If you subtract that from your nestegg, that leaves you with $788,000.
4% of $788,000 gives you $2627/month before taxes, maybe $2233/month after taxes. $2233+$1500 = $3733/month.
3.5% of $788,000 might be a better withdrawal rate, though, since you are only 53. That would give you $2298/month before taxes, maybe $1954/month after taxes. $1954+1500 = $3454/month.
Like your financial advisor said, you are close (based on the assumptions above, which are probably incorrect anyway!). It might be pretty dicey making ends meet, though, especially if SS doesn't provide as expected.