Ask this guy when he got his CFP? No? CFA. No? CPA? No? Some sort of graduate financial education? No? Oh, a state license in insurance!
Yeah, who your friend met with is an insurance salesman. Not a financial adviser. He parrots the company line in whole life insurance, annuities, and various you'll-never-need-this insurance policies being the perfect solution for any financial-based goal. At best in their development they collect a Series 6 along the way, which requires the normal person to read a 150 page book, 100 pages of which have nothing to do with investments and have everything to do with account administration minutia, then score a 70% on a 2 hour MCQ exam.
True financial advisors have qualifications, like those I mentioned, which take years and hundreds of hours of grueling graduate-level education to earn. The best work hourly, charging to meet with you, prepare an investment policy statement (basically a detailed account of how you'd like to invest, what percent of your money should be in stocks, bonds, etc.), educate you, invest your money, and make sure your goals are on track.
The scum of the earth charge based on commissions*, because they usually pitch it without regard to how it fits into your overall goals and know nothing about the investment except they get 1/2 of the 5% load they're charging you, or 10% of the policy premium you'll pay every year for the rest of your life. BTW, I didn't make up those numbers -- I know for a fact the average kickback on a loaded fund is 1/2 to the adviser, and the agent who sells you a whole life policy gets 90% of your first year's premium and 10% of every subsequent year as long as they keep the policy active. When you realize this, you'll take any "advice" from them with a full pound of salt, since their interests are not aligned with yours at all when they benefit disproportionately from pushing you into a 4% loaded product with a 2% annual fee when a no-load / 0.1% fee product would accomplish the same objective.
If you're concerned you're not on track with your goals or you get jittery when the market swings around, meet with someone with a CFP or CFA and pay them $200-$500 to assess your risk tolerance and financial goals, then draft up an investment policy statement. It will help give you a clear path and save you money long term, since you can hand this over to any true adviser and they can help you manage your money right away without having to get to know you.
*Not saying anyone who charges commissions is scum of the earth, just that those who are scum of the earth predominately charge based on commissions rather than anything else