@sweetPeas - I've been in a similar situation. I didn't really know the consultant that I had hired. I didn't have time to personally visit with him very often. So, I didn't really know if he was always paying attention to what was best for me.
I got to thinking it was more important to pay a lawyer to take care of my estate planning. Going to a few financial clinics and reading books and articles on money management helped me learn a lot. When I had enough confidence, I stopped the financial consultant services, and started taking care of things by myself.
I simplified my finances, and I'm taking care of things just fine. It's nice to be in control.
For people who just don't want to be bothered taking care of financial matters, it's probably best to hire a financial consultant.