Ours is a funny business. We are by definition Investment Advisors but the connotation is that we help only in what stock to choose (or mutual fund or sector). These are investment decisions, but are not the most difficult decisions to be made in a practical sense. The more difficult decisions don't have to do with investing at all but more so real-life situations. Every family and every person is different. Our most important advice to you could be about a considerable outlay of capital or have to do with concern about the future of your kids and family. This is why you should have a relationship with your Investment Advisor; that they are someone you feel that you can call and talk to about these things.
People take advice from many sources on finances. Often, the sample size is only one or two. “My brother said this....my neighbour did that...the cab driver…”, and so on. The reality is an Investment Advisor, any Investment Advisor, sees dozens if not hundreds of examples of every situation. The sample size is huge and the experience by definition is also huge, so an experienced (read older) advisor will be able to take a view of your situation and come up with a solution based on a very large sample size over a long period of time.
If you don't have a relationship with your advisor that allows you to pick up the phone and say, "So, here is what I'm thinking about, what do you think", you've got the wrong advisor.
P.S. As an aside, the reason I put a picture of our mainsail on this blog is that sailing is a great parallel of the above commentary. Sailboat racing has been a big part of my life since I was a kid. Most people race with the same crew all the time and thereby make the same mistakes all the time. Small sample size of information. I was fortunate when younger that I raced for two boat companies and one sailmaker so I was thrown into many boats and many situations and many sailors. It is only by a wide variation of experience that you get better. This results in better decision making (and hopefully more wins!).