You're thinking of people who charge you a management fee and try to "beat the market". I'm talking about people who charge you by the hour to explain to you how to manage your money. Maybe "financial advisor" is a better term?

Either way qualifying any form of professional counsel as "a scam" seems a bit excessive, and also bad avice.

"By their fruits you'll know them". One has to be careful, because there is a lot of professional-looking scam artistry going in this space.

Also, you mention the term "financial advisor". I urge people to remember that there are different kinds of those, including those who know shit and care even less, and all they want is to sign you up to some financial MLM scheme. Source: I know some of the latter kind personally.

Yes, you have to watch out for unprofessional and dishonest people when selecting a service provider. That's very different than saying all providers of financial advice are automatically dishonest by virtue of their profession.