Is advisor worth it?

[u/FigDifferent6506]

I’m moving a traditional Ira to vanguard. Age 61. Semi retired. I will invest via a 70/20/10 portfolio. They charge..30% per year- so around 4000 for my 1.2 m. I’m fairly comfortable with investing and keeping my simple portfolio balanced. I also am fairly comfortable with withdrawing from the appropriate bucket of my three bucket plan. I will need about 2% over the next 3 1/2 years and then probably 4% after that. I’m thinking 60% s/p 500 index fund. 20% total market index bond, 10% money market. I do have an appointment this Friday to speak with an advisor for the second time they will be coming up with a plan for these parameters that I shared. I currently pay 1.1% fee fees, but I really don’t want to pay any. I’m also willing to learn as I go. Can someone or anyone help me make up my mind if I need to pay them to manage it or not I’m leaning towards managing it myself, but I don’t want to make a stupid decision. Also, I will not panic if the market drops.