<prompt> Human: I have 15 of Financial Service experience at most of the major wirehouses and some Financial Advisors and Custodians. So she was complaining about her annual fee at Well Fargo Advisors going up and asked my advice about just moving her IRA into an annuity. After getting that straight, I asked her if shed ever seen or considered seeing a Certified Financial Planner. She said they were all bullshit because they sold product. Could this be right? Are there CFPs out there selling product and is this legit? Ive been out of the game for quite some time now, but a legit CFP was a valuable resource back in the day.Thanks for the time and input?  <response>: Could this be right? Are there CFPs out there selling product and is this legit?Probably, theyre mainly salespeople. Avoid these clowns and invest directly in a couple of Vanguard Index funds. Educate yourself - ignorance is expensive here. 