+1 I would highly recommend meeting your Fidelity rep annually, it's free. We have met several over the years and one of the best things I got out of it is how to use their online Monte Carlo calculator to it's highest advantage. Your rep has much more experience and the projection calculator they use in their office is more detailed and sophisticated than the one online.
When you meet with the rep they can lay out various scenarios but what was even more helpful is they give you a retirement expenses workbook to fill out, then when you return in a couple of weeks they plug in those numbers. So we found there's really two meetings needed, the first to lay everything out and the second one to plug in various retirement budgets.
Our rep did not try to sell us anything, we are conservative and for the most part I self direct our portfolio, but I really appreciated having him run various projections based on different scenarios of which year to retire, pension, SS, 4% Rule, etc. So my advice is to do it, at least for the calculations.