Despite technology-enabled access and a growing range of financial products, product selection and decision making remains complex. While the speed and ease of transaction execution can increase confidence in decisions, it can also lead to sudden and significant financial losses. Today’s consumers must assume more risk, responsibility, and complexity in sorting through the information overload and navigate through it. The added value of professional advice is 3.9 times more likely to make Quebecers richer than those who had not consulted a professional (CIRANO, study published in 2016.) Professional advice thus contributes to a better distribution of wealth and is likely to reduce the gap in standard of living with other more affluent Canadians.- Flavio Vani

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