Simple. Financial advice is valuable, so financial advisors prefer to get paid. And paying for their time means that they offer more value than they cost. That

Simple. Financial advice is valuable, so financial advisors prefer to get paid. And paying for their time means that they offer more value than they cost. That really doesn't happen until an individual's wealth reaches a certain inflection point, which is basically upper middle class. It's in the financial best interest of the advisors to work for the clients with the most money. Below that, there are any number of free or inexpensive resources, books, etc available. If you're disciplined enough to take the advice of a financial planner, you're probably disciplined enough to to follow the advice in "Saving for Dummies" or somesuch.