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All of our clients have chosen to maintain their assets in a managed account where investment management fees are charged to the account. There is no annual administrative fee, and no commissions for buying or selling within the accounts. With a managed account, the fees are typically charged to each respective account. For example, if a client has a non-registered account, Registered Retirement Savings Plan (RRSP), and a Tax-Free Savings Account (TFSA), then each of these accounts would be charged a fee, based on the market value of those accounts. One of the benefits with managed accounts is that the fees are 100 per cent transparent and you have the option to pay the fees for the TFSA and RRSP from your non-registered account. This can be automated, or this can be manual. Before we get into the differences between the automated process, manual process and benefits, we will give you a bit of the tax history surrounding the payment of investment management fees from non-reg ....