When you meet a stranger who wants to "help" you on
wealth management and investment,
ask him very basic questions as a litmus test.
If he does not want to spend even 15 minutes' time trying to understand your background, your needs and your risk profile, he fails to be a good "salesman" no where close to a professional.
If he hears your needs, your preference and your requests; and still try to sell you something else. He is hearing,
NOT LISTENING. He is a desperate yet unskillful salesman trying to meet his sales quota before he gets fired soon.
There are salesmen in every trade.
In coming weekends, you will see crowds of property
agents near the show flat, trying to sell you Cheung Kong's Tsueng Kwan O new site - Capitol. Do you expect that they will introduce to you other flats ? The agents' boss wants their agents to focus on 'Capitol', now supported by newspaper campaign. The agents and their peers are now on a sales contest (probably with special sales incentives in addition to normal commission).
If an ordinary citizen is so simple and naive to commit a 3 million $ deal on the spot (at the show flat or agent's office), without careful financial planning and doing his own
research, he has noone else but himself to blame.