Remember that a person selling a product can never be a true advisor, as their interest lies in selling their product and meeting their targets. So, who should someone seeking advice turn to? The best bet for the investor would be a fee-only advisor, who only offers advice, just like a doctor/lawyer and does not sell products and gets any remuneration from it. In such a case, the dvisor would work in their best interest, offers the most appropriate solution and charges a fee for it.