fear that some investors are getting too comfortable. We provide the most value and "earn" our fee during the crazy times. It sounds like you have the acumen to do well on your own. Your idea of a fee only advisor where you pay for the time spent only is probably a good fit for you. They are harder to find as most work for the % of assets. I'd share your thoughts with your advisor and see what he says. I know that when my fees hit a certain dollar amount on larger accounts I start to get uncomfortable as I know my value is only so much. Depending on his broker/dealer he may or may not have the option to lower his fee or charge for his time only.