A financial advisor charges a much heftier fee, requires significant effort on the client's part (since they are simply being advised by another person), and are limited in the amount of optimizing they can do in 1-on-1 sessions.

There would be several ways to make money beyond the small client fee, such as by offering businesses involved with these services (loan companies, etc.) clients, etc. There would also be premium services offered to wealthier clients who want to further optimize things such as their investing portfolio, medical tourism packages, etc.