As has become nauseatingly apparent from the Financial Services Royal Commission, it would seem that a great many Financial Advisors/Planners have a moral code which is amoral at best, if not totally absent.
Never trust a Financial Advisor/Planner who is not completely independent of all linkages to any other business. This includes receiving fees, commissions, benefits, rewards, support, etc etc.
Never trust a Financial Advisor/Planner who has any other business interest that they would be advantaged by if you bought/bought into.
Always ask what they will get out of it if you go down the path they suggest.
Once you have found someone who is completely independent, ask them for advise based on the specifics of your individual and unique situation. Then if possible, get a second opinion from another independent one. The cost of the appointments is far, far less than the money you could lose from bad advice.