The funny thing is that accountants and attorneys are aware of their own conflict, but most fee-only planners are not. So do the rest of us. That's not a competitive advantage, if you think about it intuitively. If you think that will happen in your lifetime, you're living in fantasy land. Fee-only holds no moral superiority, and no competitive advantage over other advice distribution channels.
Somebody has to pay something, to someone, someday.
As long as clients are served right, our profession wins. Many of my clients sell stuff. It might be livestock, grain, produce, cars, boats, airplanes, real estate or some other product. Okay, I think you misunderstand something. Tax bracket is irrelevant when we're talking product selection for a qualified plan or IRA, so I don't see how that is relevant.