They really should get paid by the hour, but then they would all be starving.
I get about two unsolicited calls a months from advisers with most suggesting I move into some sort of short terms bonds to get away from market volatility etc. Great a FA who is scared shitless of equity markets, this has been going on for a number of years, not sure how they get my contact info. I kindly explain to them that after tax real returns won't even keep up with inflation and I would be essentially losing money every year.
They only care about making money for themselves and think if they don'y lose any for you they are doing a good job. Well they are not, any idiot can make 4%, but that puts them in the bottom quartile. Don't expect any to put you in the top.
I would have some serious regrets if I listened to any of them.