Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited.

How does a financial advisor choose debt funds and equity funds for us?
A financial advisor is a service professional.  It is his/her job to do things for you that you could do for yourself, but you're either too busy to do it yourself (and you want to pay somebody else), or you'd rather not. Just like some people hire tax preparers, or maids, or people to change their oil, or re-roof their houses. Me, I choose to self-manage.  I get some advise from Fidelity and Vanguard.  But we hired somebody this year to re-roof our house and someone else to paint it.