Instead, the utility of financial advice was the overall state of a person's financial "health" in general, and how to get things organized. Stuff like assessing whether you have an adequate liquid "emergency fund," whether you have enough insurance (and of what types), whether you are saving enough for retirement, for kids' education, etc., how to approach making major financial decisions/investments, how to diversify types of assets and accounts to maximize tax advantages, etc.
This is among the most insightful statements in this thread. There are no secrets to financial success - at least in the sense of getting through your life with enough money to retire. Everyone knows: spend less than you earn; invest; diversify; patience. It's like maintaining a healthy body weight: eat less than you exercise; moderate the sweets.
We all know these things, but sometimes it helps to have a coach. An impartial voice to let you know whether you're fooling yourself about your savings rate or your gym membership. Those guys who offer 'no cost to you' advice are getting paid by what they're selling - insurance or Nutribullet.