23&Me was presenting patients with studies based on genes they actually found in the samples. They got busted because the studies weren't clinical trials done by the FDA. I've got a rare genetic disease for which there is no FDA approved test: too few patients, and it's 100% penetrant, so the geneticist just looked at the sequence. 23 & Me wasn't so different from that.
Taking your sequence data to a counselor is a solid use of 23&Me data. RE: risk prediction - they need to show efficacy & describe methodology in a clinical trial. Otherwise one is just taking their word for it that your risk is what they say it is -- or that they didn't mix up your sample/lose chain of custody.