Many financial advisors are really just looking to invest your money while earning front-end fees for doing so and yearly maintenance fees. For many especially younger people or with average to above average incomes this is easy to DIY and avoid those fees thus maximizing your money and compounding ability. If you don't want to take the time to learn about mutual funds, you can invest in target date funds and broad market index funds that do the work of actively managed mutual funds for significantly less in fees.

Financial planners can make sense, if there is something complex or if someone wants to check up on what they are doing. Financial advisors might make sense with over 6 figures of investable assets (excluding 401k I would say) or when you have a complex tax situation you need to bake in etc.

I don't like the doctor or preventive care analogy because most people don't need the expert when it comes to basic investing as it's become very easy and low cost in recent years.