^^ you did answer in part, thanks.
A little context maybe - I have worked with a couple of people that were essentially mutual fund or insurance salespeople. And while they were good and trustworthy and all that I could never really figure out what they did for me, other than sell me stuff.
They have all had various pitches and workbooks to talk about my financial future but it always felt like a lead to a product. I think they honesty believe in what they sell and don't mean to suggest anything negative, it just never felt that valuable. Whatever wasn't product focused felt really basic. Save x percent of what you earn and diversify sorta stuff.
My perception is a 'real' financial planner would be different, but not sure what I expect by that. It might be I am just a cynic.
What kinds of things do you do that you get paid for that are not for selling a product? What can I get from working with a financial planner that I won't accomplish by following a couch potato strategy or something? I can guess tax or estate planning, for example, but that's where I was thinking if you don't have a million bucks or something (like every cper of course) you might spend more on the advice than you could ever save in taxes.
Does that make any sense?
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