Financial advisers make wealthy individuals richer. But is that every one there’s?

In 1989, creator Marsha Sinetar wrote a bestselling ebook, “Do What You Love, The Money Will Follow.” She urges readers to pursue a profession that stokes their ardour.

Many advisers take that recommendation. They love what they do. And the cash follows: Median pay for U.S. monetary advisers was $95,390 in 2022, in response to the Bureau of Labor Statistics.

Lately,…