One item that is not mentioned is why did you get in and why did you get out of a fund. If the fund was bought for broad asset class diversification and was part of a proper overall allocation, maybe it makes sense to hold (or at least move to an equivalent multi-asset fund). An independent adviser who got you in and is now selling you out to move you to cash or 100% equity or 100% bond fund might not be doing you any favors.
Also, the answer is complicated as to how should an adviser be paid. If the choice is to pay 1% and have an adviser who gets paid a little by Fidelity to use Fidelity or T. Rowe Price funds vs. a fully-independent adviser at 1.5%, Fidelity/T Rowe fund family is big enough to have enough fund options that make sense. Also if it is hard for you to pick funds to beat the index, why do you think the adviser knows better? If the adviser is forced to give you the 3rd best fund (in his opinion) of a group of 10, it is 50/50 whether that 3rd option beats his favorite fund anyway. Regardless, you should know how he/she is paid.