With all of the information available today, if the answer to this question is not solved from day one for your practice, you get what you deserve.
There are numerous products to offer. Learn them and offer them like a goddam professional. Your other choices:
1- Deceive
2- Be willfully ignorant
3- Sell an unsuitable product
4- Engage in discussion of APR on a purchase agreement
5- Stack from 3 to infinity
6- Put commission over client best interest at their cost

Or perhaps, just maybe, you become an advisor and expert in the field for your clients and seek to provide solutions. As a personal advocate for them for christs sake. And make money long term - not like the panic you might be in next week to make a number for the month.

Soap box out.