The value of financial advice ( or not)

Does financial advice yield better results? Read the full article

Checking Registration and Disciplinary history

Securities Regulators rightfully recommend that investors check out their dealer and dealing Representatives ( aka “advisors” or salespersons) .Their websites are promoted as the starting place for investors to make informed decisions. Let's explore this in more detail.  Read the full article

Advisor Risk

When you use an adviser here's always the possibility you'll not get the full story. That's because most "advisers" aren't fiduciaries. They do not have to put your interests first. Read the full article

Sales incentives skew adviser behaviour

This Comment letter to the UK financial regulator summarizes our views and experiences with financial incentives used to "motivate" adviser sales of certain products. Most retail investorse do not understand the true nature of their relationship with their advisers.Read the full article.

Suitability system needs overhaul

The KYC -suitability system is not working as intended. Financial consumers are being exposed to undue risk. We call on the Joint Forum of Financial Regulators to address the issue on a priority basis. Read the ALERT 

ALERT on new bank complaint system

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Our Comment letter to FCAC regarding proposals to regulate Bank's internal complaint handling systems.

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What the limitation Act means for retail investors

During the investing life cycle, chances are you may have a complaint against your adviser . The complaint process has always been a painful experience. But in 2004, retail investors faced a new challenge to their ability to recoup undue investment losses caused by bad advice . The new challenge was reduced statute of limitation time periods.  Read more 

Proposed Federal External Complaint Bodies Regulation a bust

Our Comment letter to the Department of Finance explains why. Read the full article 

The New Diversification

Over the last several years, many investors have discovered to their unfortunate surprise that their portfolios were not nearly as protected from downside risk as they thought and that their traditional notion of “diversification” failed their expectations.

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