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) rather than through collective investment vehicles.
Optimizing the use of your RRSP 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.
(You should ignore completely ) experts who predict the level of a market index. Changes in the market indices are random and subject to myriad influences that are unpredictable. You will never hear any of the great investors, such as Warren Buffett, Eddie Lampert or Marty Whitman, predict the level of a market index. Arne Alsin
Self reliance is a virtue. 
RRSP