I understand your stress; no offense taken.
Beware of the term "independent advisor." It means nothing. I don't know anything about JoseBeltre, so I can't comment on how good he is, but I can tell you that many of those (but not all of them) who call themselves "independent advisors" are next to useless.
I'm a Microsoft MVP (Most Valuable Profession). MVPs are not Microsoft employees; "MVP" is an honorary title for having provided consistently helpful advice). Most MVPs are very good, but not all of them are.
Good luck with your problem.