Hands-Off Investing in Canada

A robo-advisor costs about 0.2% to 0.5% a year plus fund fees, a fee-based advisor often 1% to 2%, and a fee-only planner bills for advice. Compare all three.

From 2026, Canadian dealers must report what your funds cost you in dollars, not just their own fees. Here is how to read the first all-in report in 2027.

Ask these questions before you hire a financial advisor in Canada: total cost in dollars, how they are paid, registration, conflicts, and what the plan covers.

Check any Canadian advisor in minutes with the CSA National Registration Search, CIRO AdvisorReport and provincial title registers. Here is which tool to use.

What a Canadian mutual fund really costs: MER, trading costs, the trailing commission inside Series A, and how Series F with a separate advice fee compares.

As of September 2026, Questwealth charges 0.25% up to $100,000 and 0.20% after. Wealthsimple managed is 0.5% at Core and 0.4% at Premium, on top of ETF fees.