Dave Chilton

You did a wonderful job when you used to go on The Rational Reminder as one of the hosts.

And to give PWL some credit here, I think when you talk about Ben, Dan, Justin, these people have really influenced the entire industry.

So it's not just the direct impact they've had on their clients, but advisors throughout the country watch them.

And to your point, start thinking, hmm, maybe that's what I should be doing, et cetera.

And they've raised the bar, I think.

In fact, I think that'll be Ben's biggest legacy is that he raised the bar for a lot of the advisors in the country.

And I'm seeing more and more of that as I have different people on the show.

Man, are you guys getting sharp?

The planners, they really, I mean that sincerely though, the planners are so much better.

than they were 10 and 20 and 25 years ago, or 35 when I started.

Frankly, I was about the only guy doing it, the comprehensive financial plans.

Now everybody's passed me by and the details you know, and you're starting to specialize.

So when you're talking about doctors, you know about incorporation, about cross-border rules, second families we talked about off-air.

In the U.S., the advice-only model often specializes on a profession.

And now we're finally seeing that come to Canada and we'll see it maybe for teachers and we'll see it for engineers and doctors.

So I think these trends are all very positive for the Canadian consumer.

I agree.

And I think that the planners slash advisors out there who are doing only the investment end of things, and we still see a fair amount of that, are going to be in trouble in the next five to 10 years.

The consumer is going to become more demanding.

We saw a little bit of it starting maybe seven, eight years ago when a lot of Canadians realized they weren't getting good advice on decumulation strategies, on optimizing for tax early in retirement.