The only people that are guaranteed to make money if you use a financial advisor is the financial advisor. I get approached by many and when I ask them if they can guarantee they will make me more $$$ using them compared to how I invest, they can't guarantee that, so why would I pay $50k-$60k a year for somebody to do what I can do better?
The worst thing that can happen in retirement is to have the stock market drop significantly while you have to sell shares to live on. At 63, you don't have the time to recoup a major downturn if it lasts for a few years.
I use the bucket system where I have enough cash to live on for 2-3 years which should outlast a major downturn while I don't touch any of my holdings. But I also invest (when I had my money in the market) in low risk/high return/dividend funds/stocks/etfs (no bonds) that make me good money with dividends.
Read Read Read books on how to invest and watch some YouTube videos to get a wide range of ideas. IMO, the best series of books to read are on becoming a boglehead. Check this out:
https://www.bogleheads.org/wiki/Bogl...ent_philosophy