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Vanguard seems to offer advisors at a certain point -https://investor.vanguard.com/advice/financial-advisor but honestly I'm not sure what they can really provide beyond the standard bogleheads.

A separate advice session from a tax guy can be worthwhile but always remember that the tax guys work to minimize taxes, which isn't necessarily always the goal.

The bogleheads forum is great for general advice, even if you only read it: https://www.bogleheads.org

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Even simpler than that, is there any reason not to go with something like a Vanguard Lifestrategy which implements something quite close to a Bogleheads mix? Asking sincerely as that’s what I’m using now, and it’s just so easy it feels like there must be some unanticipated downside.

I agree. Buy some low cost diversified funds through Vanguard. I cannot understand why the average investor needs anyone else in the loop.

Those funds have higher costs. If you want to do that (and it's a good idea) look at the portfolio allocation and then buy the ETF version of the underlying assets.

This is really the only downside (beyond them being perhaps too conservative - but you can adjust by selecting a different “year”).

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