People seek financial advice for the same reason they seek any advice: because they feel stuck. Someone can want to change, can imagine what being changed would look and feel like, can attempt all sorts of ways to change, but never actually change. The way clients saw it, however, was that they were paying not to get unstuck, but to ‘allow’ them to be unaware of being stuck. This has the advantage of being easy, but the disadvantage of not working. It looks like it works, because it works better than nothing, but it doesn’t work on the meaningful sort of level that leaves someone feeling like they can comfortably fire the adviser.