I will keep my response as short as possible, but that is like saying every doctor is just out to make money so don't go to one. Just hop on WebMD instead. I use it all the time, and so far it has been right. (note the sarcasm)
Now I am not saying that there aren't dishonest people out there. Ofcoarse there are. Thats why you should interview a few FAs before choosing one, but 99% of people really need to have a Financial Advisor. Some of the smartest guys I know fail at investing. Is it because they don't understand it? No, it's because people let thier emotions get in the way.
Does Scottrade make sure you are staying balanced, and diversified. Do they go over your life insurance policies to make sure you aren't over paying, under protected, or over protected. Do they make sure that you aren't doing things creating un-needed tax consequences? Have they ever asked you how much monthly income you will need in retirement, when you want to retire, and laid out an exact plan of what you need to do? What kind of tax free investments do they offer? Most importantly, have you ever met the rep you talk to on the phone? I just can't imagine trusting someone I haven't met.
Okay, I'm done. End of rant. Sorry for rambling, but I take that kind of thing personal.