Check out their "partners" to understand that they are trolling for people to essentially pay -- directly or indirectly -- for their services and advice. It's a clever game, because those who have a million in liquidity will self-select for them as potential new customers.
Their "about" page with their "partners."
https://www.gobankingrates.com/about/
Simple. Pay off any debts. Acquire no debts if you have none. You will be fine until the whole mess caves in on the massive federal debt and unsupported promises. In the meantime, pay NO ONE for financial advice, and research for yourself.
Or go with Sam Bankman-Fried and/or perhaps Bernie Madoff.....
“pay NO ONE for financial advice, and research for yourself.”
That is priceless advice.
“Financial advisers” are toxic for most seniors.