To take the original example, there are insurance advisors and insurance agents (different things), but they are mainly or entirely compensated by the insurance companies, acting as outsourced/freelanced sales people, so their “advice” is unreliable.
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But they aren’t a one-stop-shop, and you have to manage them, and they can and do screw up, or outright embezzle, and since they’re individuals, you don’t have the “this company wouldn’t risk its reputation over this” trust factor.
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So… there’s clearly a need here, and it’s clearly not impossible to fulfill, just difficult. As a business, you’d start by marketing a very expensive service to the actually-rich. You’d need lots of Respectable People involved initially to provide trust.
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A very wealthy friend of mine had a long term employee whose entire job was to just handle all the routine bullshit of existence. The "long term" part was crucial, because they were trusted and new all the fine points of said wealthy person's tastes.
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Both were very happy with this arrangement. The middle class version, currently, is attempting to outsource some work to Fiverr or a secretary in Bangladesh. Zero shared history, low trust level, and no understanding of what is really wanted. So tough to make work well.
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