What do you expect from your financial planner?
I can't tell you how many times I've heard something like, "I've got $75,000 from selling a house. What should I do with it?" Many times the person who will ask me that kind of question is a relative stranger.
Financial planning is a process. Some would say it's more of an art than a science, but it's still a defined process. The question above does not contain enough information for me to give a reasonable ethical answer. As a Fiduciary, I need to know what your financial situation looks like now, what your goals are for the future, your tolerance for risk, where you are in life, and more. Only then can I make any sort of recommendation. That's why it's important to provide your planner with accurate information. The financial plan that I come up with is only as good as the information you give me. You tell your doctor what is bothering, don't you? Why would you withold information from the person who is formulating your financial plan?