Hi. I have approximately 250,000 in corporate retained earnings in a low interest savings account. This money is essentially my pension fund for when I retire. I want to invest it with a 15 year outlook. My objectives are moderate growth, preservation of capital and favorable taxation. BMO recommended their Selectclass portfolio but it has an MER or 2.47% which I understand is high. I have a discount brokerage account and was thinking of managing the money myself. I contacted my financial advisor but didn't get a definitive answer. Any recommendations or strategies I should follow? I am considering ETF's or dividend funds. Also should I consult with a fee-only financial advisor? Can anyone recommend a good one in the greater Toronto area?