Throwaway account for privacy. Partner is a Canadian citizen. Has a FA & FP in Canada, and I have recently learned they have her ~$450k portfolio invested in products with a MER in the vicinity of 2.2% Partner has a medium to low risk profile. Adviser is looking to move some of the bonds into managed funds (with similar 2.0-2.5% MER) to take advantage of the market dip. Goals: Set her up with a 'fee for advice' fiduciary located in CAN (I don't want to be her money manager) for ongoing annual portfolio asset allocation reviews (i.e. make sure it represents her risk profile appropriately) Long term migrate her to low cost passive index funds with an asset allocation that matches her risk profile (doing so in the most tax efficient way possible) Immediate term looking for the right product to buy with the proceeds from the sale of bonds There is a tension between what the FA/FP are recommending and what I know to produce the best risk adjusted long term returns (low cost passive index funds). Partner acknowledges that my suggestions will produce better returns long term, but for the immediate term she is not sure what steps to take/what to do since the FA/FP relationship is already there. Supposedly, FA/FP don't receive commissions on the products they recommend. Questions: What would you do PC? She is understandably nervous about trying to switch everything rapidly in the current volatile market (and conscious of creating a tax event). How does one find a reputable fiduciary financial adviser in Canada? (we're currently located in Australia, I am AU citizen) Finally are there any Canada equivalent forums where I would be better off asking these questions? Appreciate any thoughts.