How to find a financial adviser

Cindy Marques, a Toronto-based, advice-only CFP at Open Access Limited, said a financial adviser who works at a financial institution, such as a bank, is more likely to recommend in-house products or be incentivized to offer certain products, compared with professionals at independent firms. But if your assets are already housed under one financial institution and you have had a good experience with its investment products, a bank adviser may be a good choice, she said.