Which logical fallacy does the phrase "he only makes money if he tells you there's something wrong" exemplify?

The phrase "he only makes money if he tells you there's something wrong" exemplifies an Ad Hominem fallacy because it targets the individual’s motives instead of addressing the argument or issue at hand. In this case, it suggests that the person's financial gain undermines their credibility. Instead of engaging with the substance of what the person is saying, it shifts the focus to their character and potential ulterior motives, implying that their claims are invalid merely because they could benefit financially from them. Ad Hominem attacks are a way of dismissing arguments by criticizing the person making them rather than examining the argument itself.