Thanks for all the suggestions and feedback. I wanted to come back and let you know how it all went.
I went in prepared with my information and questions. I also had several options of a plan that I asked him about.
It took a whole hour but we never got to the fee part of it. He did suggest that I stick with the Vangard fund that is based on my age.
He suggested that I also max out my 401k. But I told him that I wanted to pay off my student loans and mortgage first, as well as my current debt. I then told him that I wanted to create a "broken fund" and an emergency fund to not get into debt again.
He suggested that I don't pay off my student loans or mortgage and instead max out the 401k. He then said for the other stuff to prioritize it and put some money in each depending on my prioritization. For example, if debts is high priority put $400 per month, and if "broken fund" is low put $10 per month, but at least this way each is getting funded and later the money can shift when the debts are paid.
I don't know about holding off the student loans and the mortgage. I know there are mixed suggestions on this forum about it, but I will "feel" much better knowing that both were paid off.
But after this, it looks like the earliest I can retire is between 55-60. I don't like this! I want to travel while I still have energy, not when I am old (no disrespect for those of you over 55).
I ran the numbers using rental property as an option for retirement income as well as 401k, but no way that I run it can I retire earlier unless both of us start making double our income now.
But even with the set backs we have had, I decided I am going to just continue to contribute the minimum to 401k to get the match and continue to pay all we can towards our debts so that we can refinance the house. After that, I don't know what to do, but at that time I will come here and update my case study for more advice.
I think for now, just focus on the short-term goal so I don't get overwhelmed; pay the cc and cars.