If your advisor (and others in the Wall Street food-chain) charge a percentage of your account value each year - you'll pay twice as much to have them help you spend your money as you paid them to help you build your account in the first place?

Fees, costs, and commissions take money from retirement lifestyle and feather the beds of the Wall Street fat-cats. 

Optimized Retirement Income Plans are deliberate about eliminating fees, and minimizing those that can't be avoided. The result is more money for your - less for them.