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Working With Your Advisor

Your advisor’s responsibilities to you

Clear communication

  • Answer any questions you may have
  • Confirm your expectations and investment needs
  • Report to you regularly
  • Respond quickly to your questions

High standards of ethics and conduct

  • Act in your best interests
  • Discuss the risks associated with recommendations
  • Explain how compensation works

Expert advice

  • Identify opportunities and make appropriate recommendations
  • Observe and adjust strategy if there are problem areas
  • Provide alternatives with pros and cons
  • Recommend other professionals/experts

Your responsibilities to your advisor

Communication

  • Ask questions to ensure you understand
  • Disclose the information required
  • Be honest with yourself and your advisor about your risk tolerance
  • Keep your advisor up to date on your situation
  • Respond quickly

Commitment

  • Go to your meetings prepared
  • Be committed to achieving your goals
  • Stay informed about your investments
  • Keep documentation

Advisor qualifications

If you work with a financial advisor whose expertise you trust, you will likely feel more confident about reaching your financial goals. The terms “financial planner” and “financial advisor” are not regulated in Canada, except in Quebec, so check that your financial advisor has the education, training, qualifications and experience.

In Quebec, an individual must be recognized by the Institut québécois de planification financière (IQPF) to use the Financial Planner (F.Pl.) title. In the rest of Canada, a Certified Financial Planner (CFP®) designation shows that an individual has completed the proficiency requirements to be a financial planner.

All advisors must also meet regulatory requirements to offer investment products and services.

CFP® are trademarks of FPSC, unless indicated.