While most of brokers, or financial representatives, are probably trying to do what they beleive is best for their clients, the brokers themselves may be misled, or just not know any better. Sometimes even decent brokers get convinced to sell a scam and don’t realize they are participating in a scam.
The old adage about “if it sounds good to be true it probably is,” is so often true. Be very wary of phone booth deals, viaticals, or the like. The NASD has some information on scams.