Many financial advisors and other professionals who are licensed with the government and are qualified to actually provide some sort of benefit to clients often NEED telemarketing as part of their promotions. When starting out in the business they often dial straight out of the phonebook offering their services and trying to book free consultations with people. I don't think its very kind to be messing with someone just because they are trying to make a living - if you aren't interested, hang up. Better yet - if you are having dinner and can't talk on the phone anyways - don't answer!