10.4.6 How to find a financial professional

You may have access to retirement planning advice through your workplace, union or professional association. You can also get some kinds of advice through your financial institution (but remember that the advisor may sell only the financial institution's products, and that the institution may not be equipped to give full planning advice, just about their products). You can ask friends and family for recommendations for financial planners or advisors they have found helpful.

If you don't know anyone who can refer you to a financial advisor, try these resources:

Group name and website What they do

Canadian Investment Regulatory Organization (CIRO)

National self-regulatory organization that oversees all investment dealers, mutual fund dealers and trading activity on Canada’s debt and equity marketplaces

Chambre de la sécurité financière (CSF)

Quebec’s self-regulatory organization for financial planners and mutual fund representatives


Financial Advisors Association of Canada, representing financial advisors

FP Canada

Organization that develops, enforces, and promotes standards for financial planning in Canada

Institut québécois de planification financière (IQPF)

Quebec organization that grants financial planning diplomas and sets rules concerning the professional development of financial planners

Portfolio Management Association of Canada (PMCA)

Representative of investment counsellors and portfolio managers in Canada

Select a few advisors that you think you might like to work with and interview them. Discuss your interests and needs, asking questions like those in the next section. Be sure that you are comfortable talking with them and see who offers the most complete answers to your questions.

Make sure that you check with your local securities regulator to see if a firm or individual is registered, the kind of registration they hold and whether they have a record of any disciplinary action. To find your local regulator go to the Canadian Securities Administrators (CSA) website.

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