I do indeed know that, have met quite a few of them in my time. Some are said to be good people and the gaggle you speak of are in every line of work, but in my experience and in the experience of a lot of my friends, the less said the best on financial advisers. Billions upon billions lying in banks with people afraid to place their trust in financial advise. Might be no harm in a new model, new thinking, straight language, etc, for the industry and start to forget telling customers about what everything earned over the past 10 yrs, 20 yrs, etc, etc, etc. I guess Dr's differ and patients die.