CYA
Simplify Tail Risk Strategy ETF
stock NYSE

I try to use my Mastercard debit card...
my experience: once the bank gave me Mastercard debit card and that useless & worthless piece of plastic NEVER worked?!
disclosure: and i was not buying any bitcoin-shitcoin... i was buying grocery only.
2026-03-15 E&OE/CYA

Yeah, that's boilerplate CYA legal speak. Whats your point? MOASS is the reboot button for the whole world

I think there is a nuance missing here when you say "they claim they could do better".
The probably said something like, "We can help you design a portfolio that aligns more closely with your expressed needs". FAs with a license will rarely promise (claim) greater future returns. There are two reasons: (1) CYA and (2) there is no evidence that this is possible given that you are already in low cost index funds.
It is rare that a person in good health who has managed their own money in the past will find much (or any) value in a FA. It is rare that the value added will cover the nearly 1% fee.
After all, when you reach retirement it is typical (and smart) to think about taking out about 4% each year for living expenses. If you have given 1% to the FA, you have given away 25% of your projected income.
That's a chunk.