Every dollar counts- eliminating investment expenses is very important.
Looking for help to pick next year’s stock winners (the individual stock selection method) and “beat the market”? You are at the wrong place.
Our approach: Invest across the stock market generally (what others call passive or index investing).
We believe in collective investment vehicles called exchange traded funds (ETFs) to invest in the stock market (rather than traditional actively-managed mutual funds).
We also recommend direct purchasing of bonds (especially provincial government bonds for Canadians) rather than through collective investment vehicles.
Optimizing the use of your tax deferred accounts (RRSP/TFSA for Canadians) through careful investing in bonds and other appropriate assets.
It’s your after-tax return that counts- we will help you to manage your investments accordingly.
The smartest thing people can do if they want to make money in the equities market is to buy is to buy an index fund that is run 30 basis points a year and forget about it. Ellliott Spitzer, former New York Attorney-General.
Self reliance is a virtue. 
RRSP