Let's imagine that every Canadian had, or had access to, a computer and the skill to use it.
Every so often (once a year, say) they pulled up a program which asked a few simple questions...
-current salary (if still working)
-retirement age target
-pension parameters (DC or DB)
-what is the balance inside your RRSP
-ditto taxable (nonreg)
-best / most conservative estimate of rates and cpi going forward
-details of outstanding loan(s)
-size and timing of any future capital gain (selling cottage, inheritance...)
-province of residence
-estate target... do you want to leave an estate, or simply 'die-broke'?
(This is not the most onerous data entry exercise one could encounter, IMHO)
After the calculation, the program displayed what your net spending (food, gas, entertainment, travel, clothing, utilities) should be, and you now have a budget to work with... both how much you should be living on, and how much you should be saving. Or, if you are retired, how much you should be 'de-saving'.
Run this program (every year say), adjusting for changes which might have occurred in the interim (rates, balances...)
The thing about this exercise is that... all the information you need to feed this calculation comes from your own knowledge base.... YOU DO NOT NEED A FINANCIAL PLANNER TO DO THIS FOR YOU!
If you are in a HNW category, with a business, several trusts and some esoteric financial products, fine, use an accountant, but for the average Joe, the above scenario is sufficient.
I am on a mission, in case you haven't figured this out.