A couple of preliminary thoughts.
It's wise to read up at least a little about the basics of investing rather than remaining ignorant and trusting a financial advisor's wisdom 100%. (there is investing for dummies or dozens of other books).
The site doesn't provide the name of the people running the operations. A basic level transparency is important when entrusting your investments to someone.
Borrowing against investments and fancy investment strategies are not recommended for small unsophisticated investors (who don't understand it).
Many financial planners have a lower fee (than 1.25%) but won't deal with small portfolios (e.g. under $100K), so that is not necessarily overpriced but also not necessarily well priced.
Most online brokers have an alternative service offering (for free or a one-time fee) to build a basic portfolio out of a few index funds (e.g. 50% US stocks, 30% US bonds, 10% International stocks, maybe 10% real estate). There are also many target date funds that become more conservative over time (gradually shifting investments away from stocks to bonds over time, as you approach the targeted date you'll need the funds), which make it pretty easy for investors to do this themselves.
FYI - The 1.25% fee (is typically annual) and based on the total amount of your invested funds. i.e. If you invest 100K and your investments increase 10% in the first year (10K), they will take 1.25% of that (1.25K) in fees just for that first year. They will also take 1.25K (of the total balance) in each subsequent year, including the years that you lose money (i.e. whether you win or lose, they win). This eats up a lot of your investment returns (1250/10,000 is 12.5%! of your returns) in this example.
Conventional wisdom in financial planning is that the tighter your budget, and the less you know about investments, the less downside risk you can afford to (and should) take (because you can less afford to lose money). The materials on this site suggest someone with a tight budget should consider taking on higher risk.
It's not clear how much hand-holding, in-person time, and financial/investment education they provide as part of their service. Education in the nature of investments (and prepared for down years) is important, as those who are educated and prepared for volatility (losses) are more likely to hold on through the downturn and benefit from the recovery (rather than sell at the worst time, when prices are low).
I would say, once you learn the details about this offering, it's worth trying to get a second opinion from someone you know who is a finance professional to confirm your not overlooking some risk here.
Good luck!
