Many financial advisors are not in the business of protecting the "downsides" or the risks of the type of accounts they're interested in managing. In other words, they are interested in investing your money for the potential "upsides", but minimal on protection from the "downsides". Do you remember what happened to your savings in the last several market crashes and how long it took to even recover what you lost? Can you afford that same risk during your retirement years?
Many financial advisors can end up recommending naturally riskier financial accounts that pays them better management fee commissions. It's just the "nature of the beast" some call it. But how does that exactly keep your money protected?
With a plan such as Lifetime Asset Retirement Account, your typical financial advisor cannot charge you a yearly management fee so it would not be in their favor to recommend anything outside of your traditional 401k, 403b, IRA, TSP, Mutual Funds, Stocks etc. As a result, this leaves a large population of individuals at high risk of going backwards in their savings/investments, subject to higher taxes when you're ready for income withdrawal, and losing to inflation as the cost of living and taxes continues to go up.