 Financial planners are gonna sell you the stuff that their office tells them to sell you. Whatever they can make the most profit on, that's what they're gonna put you into. If they're in a company where they get paid by portfolio percentage, then they could be picky about what they put you in and not have to slam you with commission stuff because it's not where they get their money. They get their money as a percentage of the overall portfolio. Who is the only person that's gonna know that they're picking the right stuff?