Getting expert help in planning your finances can be expensive, but experts say it’s important to understand the fees involved before you hire someone. In Canada, anyone can call themselves a financial advisor or planner without meeting certain qualifications or offering a fiduciary service, the Financial Consumer Agency of Canada notes. A more specific distinction is that financial planners are obligated to act in their clients’ best interests while brokers and insurance agents are not. URL ex-ponent.com

Some financial professionals charge a flat fee, while others are paid on commission or percentage-based on the amount they manage for you, NerdWallet reports. These fees can quickly add up, especially if you work with several different advisors, and some people struggle to afford them. There are also options for obtaining pro-bono advice for those who can’t afford to pay for it.

Toronto’s Financial Experts: How to Choose the Right Advisor

A financial advisor is a person who works with you to create a plan for your savings goals, like retirement or education funds. They can offer tips on how to save money, including tax deductions and investment strategies. They may also help you open or contribute to registered savings accounts, such as RRSPs and TFSAs.

A financial planner can offer the same services as a financial advisor, but their focus is on your long-term financial goals. They may also be able to assist you with estate planning and other financial issues. Those who are full-service financial planners must pass a series of exams and register with their provincial or territorial securities commissions. You can find these professionals by using the National Registration Search.

Native Cigarettes are a type of tobacco that is made by Indigenous communities in North America. The tobacco used for these cigarettes is grown without the use of harmful chemicals and pesticides, which makes them a healthier option for smokers. Additionally, the fact that these cigarettes do not contain any additives means that they offer a purer smoking experience than traditional brands.Source:https://nativecigarettes.com/

Despite the lower smoking rates found amongst Indigenous people, the cigarette industry still remains an important source of revenue for many tribal nations. For example, the Oneida cigarette factory employs around 1,000 people in western New York, and the St. Regis Mohawk reservation also has a cigarette production operation. Moreover, many commercial tobacco companies have historically targeted American Indians and Alaska Natives through marketing campaigns featuring romanticized images of the tribes and depicting their sacred traditional tobacco use as a natural and spiritual experience. This advertising has misappropriated indigenous culture and reinforced negative stereotypes of the population.

Indigenous Smoking Practices: Insights into Native Cigarettes

As a result, some tribal members have reported resentment toward the prosperity of their tobacco-business neighbours. This is particularly true of people who are not in the tobacco business themselves, and who may find themselves in positions where they have to compete with their fellow workers for jobs. The resulting tension has sometimes led to family conflicts and even broken relationships. However, a few people interviewed for this article have found that the success of the tobacco industry has helped them to break out of poverty and provide a better lifestyle for their families.