Agreed. There are some good financial advisors, but they ussually charge a fee.

The people shilling a traditional "60/40 "well diversified portfolio" are mindless corporate drones selling bad debt for a commission. I don't know how anyone selling bonds can sleep at night, but I auspect they have no idea what they're doing.

In the future(well in the present actually) , people will still need help setting up multisig, use passphrases, and run nodes. That's the only advice worth the sats.