My question was more aimed at what value was added. Having an uncomplicated financial situation NOW isn't as relevant. Advice should be aimed at medium and long term goals and situations.
Personally, I think it's fine to just have 'no-frills' services as long as the taxpayer can tell when they need more complicated advice and change advisers accordingly. For most people, they don't have the knowledge to realise when they need better advice, so it's probably better for them to start with a good (and likely more expensive) accountant.