Anyone with good ideas I'm all for them. I've got a very healthy set of assets even despite the recent downturn but I do feel like I'm paying too much in fees for a "wrap" that really hasn't done anything to outperform the market over the last decade. Net net: I'm considering going out on my own and doing it but would like a strong second opinion before I do. Can anybody recommend an excellent fee-only planner and give me a sense for their rates. I live in Oakville but anywhere in the GTA would be great. Thanks!