Most "financial advisors" are one step up from door-to-door insurance salesmen. I see Fidelity and Morgan Stanley recruitment ads all the time; they're hiring anyone - you don't need a PhD in stochastic calculus and a decade at Renaissance or somewhere to be a "financial advisor."

Totally agree on tax btw. Tax avoidance / evasion / minimization is disgusting and unnecessary. Nurses should get paid more, and everyone who earns a decent or an indecent amount per annum should be proud to pay their full share of tax.