The Naked Investor. Why almost everybody but you gets rich on your RRSP. John Lawrence Reynolds. 2005. ISBN 0143016237 A noted whistlebower on the Cdn Investment market, this book is a compelling description of the perils found in dealing with a commission based financial advisors ( ie over 90% of them). If you are unaware of the impact of DSCs, high MERS, back loaded funds and trailing charges, wrap around funds and you have RRSPs /mutual funds, then I suggest you must read this book. I was aghast at how the Cdn industry gets away with this, and how really exposed a Cdn investor is with very little to fall back on. We do not even have a National Securities Commission, something we share only with Bosnia! No large firms are spared, and many sacred cows are shot. If you read this book and recognize that your broker/advisor is one of the good guys you will treasure them even more. If they are not, the steps and pitfalls to getting out are laid out. Good luck – It turns out that I have a great advisor!