"To their own circumstances" as of today, but you don't know their future health.I think most people are looking for advice, and they want advice that's tailored to their own circumstances. Advice is not the same thing as trying to convince everyone to make the choice you would make for yourself. The latter is, among other things, being lazy at this job.
So when you get advice from a professional in the biz, you wouldn't ask your financial advisor what stocks they own, or your doctor what medications they would take themself, or your accountant what tax deductions they leverage?
I'd be shocked if my financial advisor asked me if I prefer NVDA or WMT stock? Or my doctor asked if I wanted to take the brand or generic? Or my accountant asking if I want to take the standard or itemized deduction?
Sometimes people need to be "told" what to do for their own well being......if they can afford it. I realize lower income have to do mapd, but that's not the kind of referrals I get.