Only had one financial advisor, and that was my first broker at Piper Jaffray. I was about 22 and he gave me a very good start in investing.* Stayed with him for many years until I started enjoying doing it myself, but he always played straight with me.
On the other hand I've reviewed probably 40 or so plans set up by so-called financial advisors and everyone of them had several common denominators:
Over priced insurance as part of the plan, mutual funds that just plain suck, mutual funds that were OK, but the advisor was charging a commission for something available for free simply by dialing an 800 number, and of course the old "I'll be here for you in the future" (think churning for a fee).* In the case of older folks I've seen lots of stuff sold that was just not appropriate for the age group, which doesn't necessarily mean it was appropriate for anyone.
My response in pretty much all of these cases was:
This is the second worst thing you could be doing with your money.
(Their response) What is the worst?
(My response) Doing nothing like you were before.
By way of disclosure, I have seem very few plans done by fee only advisors.* These were guys selling the company line, and if you are talking to a Hyundai salesman, it is unlikely you are going to walk away with a Lexus.* (OK, I admit Hyundais are much better these days) :P