I had a complex finance situation that I was struggling with, both from a mathematical/taxation perspective and a personal psychological finance hangup. I spent a few good hours talking to it through everything and had a mental breakthrough. To get the same kind of insight, I would have to pay a financial advisor AND a psychologist for several hours.
That all of this was free while someone calls it a "con" seems completely wrong
(I got my CFA cousin to look over the numbers and he agreed with R1's advice, fwiw)