Anyone who uses one of these "advisors" has rocks in their head to begin with.  If the "advisor" is so knowledgeable and financially astute, why are they still working for a  base salary and hidden commissions on products they flog?  They're not financial "advisors"; they're sales people.

I mean, you can call a vacuum cleaner salesman a particulate matter reclamation engineer but they're still a vacuum cleaner salesman.