Financial planner is a practitioner in the field of personal finance just like a medical practitioner in the field of medical science. It requires some special skills for any person to become a good financial planner.
When you visit a doctor for any health issue, she/he first asks you about your health problem and its symptoms. Only after hearing you and on doing his examination, a doctor would come up with diagnosis and then prescribe treatment/medicine. Similarly, a financial planner also follows similar steps and does not straight away suggest you products.