Need advice re: financial planner

I think I really need the services of a financial planner, but I'm not really sure which direction to take. I've only had limited interaction with anyone in that field and came away unimpressed. The guys that I talked to tried hard to push me towards whole life policies and a very limited family of mutual funds. My financial situation is also not exactly typical.

I am 35, married with 2 kids 5 and 7 yrs old. I make around $400k a year, but also earn around $200k from distributions from a business partnership. I have about $100k in retirement accounts and max any tax deferred contributions I can make, which is around $30k a year with no match. I have about $300k in my home and owe around $850k at 5.125% on a 30 yr mortgage. I also owe around $85k in student loans at less than 3%.

Is there a type of planner that would be best for someone with a higher income? My impression is that a lot of guys just put the numbers into a computer and then make recommendations from that. I know of a guy who charges a flat fee per year for financial planning services and he has good recommendations, but I don't know the extent of what he offers.

I don't come from a family with money. My dad was career military and now is employed by the federal government. He will retire with 2 govt pensions and financial planning was not something he ever did and we certainly never discussed it. I don't want to look back 10 years from now and realize that I totally screwed up in planning for my financial future.