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I am writing to you with concern about possible changes in the financial advice industry. It is my understanding that these changes will require that I pay a direct fee for financial advice. Right now, I have a choice whether or not to pay an embedded commission. This type of change will help the wrong people and hurt people like me, who depend on affordable, quality financial advice.
I believe that Canadians like me should continue to have a choice in how they pay for financial advice – whether through embedded commissions or direct fees. These proposed changes mean that:
The regulatory bodies who are proposing this change believe that removing choice is in my best interest. Limiting my access to financial advice does not protect me and I’d rather not have anyone dictate how I interact with my financial advisor.
Rather than limiting my access to financial advice, the focus should be on maintaining standards by creating a profession for all financial advisors. This will make the industry stronger and protect all investors.
Financial advisors are part of our community, and the advice they provide not only creates wealth, but also makes me feel more secure. Your constituents deserve nothing less.
I would ask you to make every effort to raise this issue with the minister responsible for the securities regulator as soon as possible to ensure that the public voice is reflected in these types of decisions.
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