I think this is actually not true at the moment since the Trump administration removed that rule (?). It seems the Biden administration has a plan to put the rule back as of a week or so ago though. If someone knows for sure I’d love clarification.
Either way I wouldn’t bother with a fiduciary at the moment unless you have a very complicated retirement setup. Retirement planning is something you can easily learn by yourself by following standard “Boglehead” principles (the strategies everyone in this thread are suggesting). If you get very close to pulling the trigger and are uncomfortable you could check with one just to make sure everything is in order, but you don’t need their advice on “picking stocks” or where to put money etc.