I have to say that I don't 100% agree with your assessment of financial advisors. I consider myself somewhat versed in investing and have the time to do my own research, as it seems that you do too. However, a "good" financial advisor's job would be to tell me the things I don't already know, as well as some things to watch out for. I acknowledge that I don't know everything when it comes to finance, and an advisor can help me with that for a flat upfront fee. Even if he never manages my assets.