re: Got an appointment with financial advisor Thursday.......

I don't see any reason why you need to meet with a financial advisor for this, especially one offers free analysis. That means they have a product they are going to try to sell you. These guys live off of selling you a product, such as life insurance, or investment products, not by crunching numbers for you. If you insist on getting one, find a CFP-one that charges a fee for advice. Good luck!