Charles

has anyone here actually used AND benefitted from a financial advisor?

my assumption is that most times you're better off with a roboadvisor or parking in total stock market index funds

looking for a second opinion

Like a stock broker? I have enjoyed having someone and have enjoyed doing my own. They will research stuff for you, give you feedback, suggest ways to take advantage of new laws and schema available, etc. But unless you’re with one of the top traders who consistently beats the market (a Market Wizard as Schwager would write about) most can’t beat the index constantly. Buffet basically proved this. 

But if you’re running multiple businesses or have complex reporting or filing needs a business advisor who is paying attention all year can be very helpful. But the nomenclature can be broadly used so really depends on your needs and the skills/experience of the person.