I had always advocate the use of full fact find to fully understand the client's needs. This has worked for many clients. But there are times that I will also go on product advice. This happens when the client is uninterested in full fact find. In this case I'll do product advice. Let's say for investment, I'll recommend good products which in my opinion are worth considering on the merit of the product itself. Therefore, I'll not hesistant to email or mass email these good products to my clients and friends. I'll not email or mass email products which I think it is lousy. Actually, I wish I can post lousy products on my blog and tell others why I think they are lousy. Have tried before and got myself into trouble (long story). So these days, I'll tell others what is good but refrain from recommending what is bad. In this way, I stay out of trouble.