<prompt> Human: Ive seen a lot of somewhat hateful comments from people not sure if they are financially educated or not in posts where the person has a large sum of money and need help managing it. They state, Never go to a CFP. Im currently going for my CFP and this discourages me because the reason I went into this field is because of how rewarding it could be.  <response>: Most CFP start idealistic, then see how much is available if they sell inferior products with large commissions. The vast majority are seduced by this lucre. For someone who needs a CFP, by the time they know enough to tell the difference between a genuinely good CFP and a charlatan who is blowing smoke to get commission and fees for themselves, they know enough not to need a CFP. Thus a CFP is most likely either not needed or highly risky and likely to cost a lot more in fees that could have been invested.Now tax adviser is a different story. A really qualified tax adviser is hugely valuable to almost anyone who needs one. 