Wow...mutual fund (don't own any) and advisor espionage through false titles and the accusations in the comments section.  I was excited that someone was willing to write an article about my practice that is not only transparent but has yielded returns that few have been able to achieve over the long term.  That is because we do really good work and eat our cooking.  I think it is imperative that Canadians find an excellent financial advisor, even if it is themselves.  Having done this for almost 30 years, it is not rocket science but you can't simply cruise control to financial mecca.  Someone involved in the process has to be adept at making investment decisions.   To dismiss the entire advisory industry because the fee's  are holding back return is nonsense.  It's all about the investments and their performance over the longest period of time.  The rest is marketing.