i think if you are asking yourself the question you should probably seek a second opinion - he/she may just say exactly what your current FS has already advised and at least then you can put that doubt to rest.

I agree, get copies of your file to take with you so they can be as informed as possible.

I made a recent change of FS and couldnt be happier - this may not end up the case for everyone, but I think its worth it even just to remove any doubts you have.