A person with the full credentials and qualifications of a Certified Financial Planner is licensed as a Fiduciary. That means they are bound by both law and ethics to see only to the interest of their client. They're not allowed to sell you or suggest you buy anything based on benefit or profit or commissions to themselves. CFPs make money based on their fees, not commissions.
CFP's are registered and have proof of their credentials that you can check before agreeing to a fee for consultation or for actual planning. There is no fixed rate such as you estimate at $1000 per year. You pay for services you hire a CFP to perform. You can pay by how much they manage or by a flat consultation fee.
You could also go through an investment firm like Fidelity who will assign a CFP to manage your money. Fidelity, as an example, salaries the CFP, so that person never makes money by commission. And the firm charges a small percentage of your investment profit as their own payment. They don't make money unless you profit. So the firm's incentive is to invest in accordance with your dictates as far as risk tolerance, but mindful that they work for free every fiscal quarter that you don't have profit.
Obviously, you are less at risk of the variables in the market when a professional invests with diversity and computer modeling to minimize loss as well as make profit. There are no guarantees, but they have insights and resources to insulate their investment decisions. Their obligation is to manage your money as fiduciaries while aiming for sensible profits they can carve payments out of for their services.
In the sense that your sons would certainly never work against your interest and would, presumably, try to preserve your capital, you can think of them as family fiduciaries. But if they don't have the expertise and training, credentials and resources of a Certified Financial Planner, then you are turning your money over to gifted amateurs who love you, or you're counting on luck as the major factor in your financial stability.
I don't hesitate to hire professionals to maintain my health, my property, my legal affairs. So I hire a Certified Financial Planner to maintain my money needed for my long term financial stability.
You are right to explore your doubts. You need to understand how a CFP is educated, screened, tested and credentialed to give you more confidence. Love your sons and also hire a CFP or work thorough an investment firm.
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