Three advisors in six years, and the same structure at the end. It's not a talent problem; all three were competent. It's a problem of which question each trade answers.
The accountant answers for the past: he files well what you already decided. The banker answers for risk: he lends on what he sees. The agent answers for a product: he places what's in the catalog.
None of the three is tasked with reading the whole and saying in what order to decide. That task has to be assigned on purpose, and it almost never is.
Each trade answers a different question well. The whole belongs to none of them by default.
The missing work doesn't compete with the accountant or the bank: it orders them. First the full map, then each decision in its time.