043 | How Much Is Your Advisor Costing You — and What Do You Get in Return?
Most Canadians can't tell you what they pay their financial advisor or what they actually get for it. In this episode, Chris and Scott break down the three most common ways advisors get paid in Canada, from bank-embedded MERs to advice-only fees to a fully separated fee-only model, and why so few people can answer a simple question: how much am I paying, and what am I getting for it? They also dig into what real financial planning looks like beyond managing your investments, and the questions to ask before you hire (or stick with) an advisor.
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The skinny
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