Are you supposed to buy your finacial planner a payment for adjectives the rock-hard work he does for you near retirement?
Answers:
since he charges anywhere from 1 -3 % i would say-so no unless you also buy the teller at the edge, clearks at store etc giftst!
Your financial planner make plenty of money from you. He deserves to be rewarded. He deserves a "thank you".. but that's it.
Best process to know if he's done the "right" duty for you;
Compare your percentage results against low cost / no-load index funds that mimic your "asset allocation".