Like AMP, some banks, and some others? 
For most people it pays to have an advisor, and requires due diligence selecting one including how they are paid, how well they listen to what you want from them and your risk profile, and their mastery and track records. Their independence matters. Fees for service may not always look reasonable, but commissions taint advice and historically insidious trailing commissions have usually been for nothing except their next new Benz.
A few years ago I had access to State Super advisors and took up the offer. I found it to be less helpful than I hoped for. Most of their advice was ‘the obvious’ and relatively conservative even though I expressed a desire to be moderately aggressive. Their service seemed to be targeted to the less financially savvy and that is OK and not necessarily bad, just my personal observation and was not appropriate for me. It was free via my super fund and worth every cent, but the same meetings might have been invaluable to others.
Back a few years,
