ETF/General Investment vs. Savings Bank Retirement Provision

I recently had a conversation at the Sparkasse because they wanted to talk to me about retirement planning. I don't really plan on using the savings bank to invest, as they are known to want pretty wild percentages. I went anyway, and I immediately rejected the topics like actively managed funds for “only” 3.5% fees. Building savings contract doesn't really make sense either, so the only thing that remained was the topic of retirement provision. The "advisor" was at least transparent enough to say that the whole thing