Hi catccc, You have done really well! I see three themes in your posts: 1) getting your money "working harder" through professional management with an advisor, 2) asset allocation, 3) planning issues around how to structure your accounts and when you can retire.
1) Consider the impact of a 1% fee over the long term. At your age you could live another 50 years. Say you had $100k invested, the advisory fee at 1% is $1000 per year. Over 50 years that adds up to $50,000, or half of the initial investment. How much harder will your money have to work to overcome that? If the market gains 5-8% annually, 1% eats up somewhere between 12.5% and 20% of the annual gains. Jack Bogle said "in investing you get what you don't pay for." I.e. the less fees you pay the more money you have working for you.
https://www.vanguard.com/bogle_site/sp20050202.htm2) Regarding asset allocation, "stocks let you eat well, bonds let you sleep well". Lots of people have 100% stocks, but you need to understand how market work and the level of volatility you will have to endure. Dividend stocks are
not bonds. If interest rates rise, bond prices (and bond funds) will drop, but then as older bonds mature or are sold and replaced with newer higher rate bonds, yields will go up again, so it is not all bad news. This paper from Vanguard explains it well:
https://personal.vanguard.com/pdf/s807.pdf. Asset allocation is all about what is comfortable for you. Rick Ferri wrote a great book called All About Asset Allocation. Also this Bogleheads link is a good discussion of asset allocation.
https://www.bogleheads.org/wiki/Asset_allocation"How many years is many?!" Markets can deviate from fundamentals for a long time. After the great depression stocks did not get back to pre-crash levels until the 1950s. Stocks hit a peak in the mid 1960s, then crashed in the early 1970s and did not attain the pre-crash highs until early 1980s - 16 years later. That's what you need to withstand if you want to go 100% stocks. Dividends can help, especially if you get enough to live on and don't have to withdraw principal... but dividends can (and have) been cut during bad economic times. My preference is build a portfolio that can withstand a broad range of economic conditions.
3) As far as planning issues, if you feel the need for a more detailed plan (how much to save, how much you need to retire, what you can spend in retirement, tax efficient savings and withdrawals, etc), consider using a fee only planner that is not paid on commissions or a % of assets. That way the planner works for you and has less reasons to be biased to their own needs.