be careful

it is first most important to know who you are as an investor and then to set up a portfolio that matches who you are.

comparing to the S/P 500 isn't necessarily the best way of doing it; taking an overall look at the alpha and beta of the portfolio (measure of risk and return relative to the index) is probably better. If your overall investment profile reflects a moderate to aggressive approach, you might not match the S/P (and it might not even be the proper benchmark).

With that said, only meeting with a guy periodically and then wiring cash isn't always the best bet either. Financial plans are living, breathing things that need to change with time; I would normally recommend meeting a lot at the beginning (establish a relationship, understand whom you are working with, get education on the different products that make sense for you) and then meeting at least annually from that point forward or as life events determine.