RE: I like BMO right now.IA's.. yes that stands for Investment advisors. First I will start off by saying the Banks...yes the Banks have some of the most well trained individuals in the Business. Believe it or not, but they have the resourses to train and they spend a lot on the people. Unlike yourself the banks group of funds are some of the best in the industry. I am talking Mutual funds. Take RBC for instance. The fund company RBC Asset Management is the #1 mutual fund company in Canada with Assets under management and performance. Don't be fooled by IG and the Mackenzie merger. They are still run separatly. If you have stocks and have done well with them...good for you. Not everyone wants to spend the time. Do yourself a favour and look at BMO's dividend fund and RBC's Dividend fund and tell me honestly....have you done better for yourself than that? I am willing to pay for someone who will make me money as long as it's value added. I personally don't buy anything that does not pay a dividend. Dividends account for over 63% of the total return in stocks. Who can afford to miss out on that. Banks maybe coming to the table late as you might have put it, but they are coming with their pockets full and the right people and product to get the job done. IMHO By the way who would want to hold funny investments anyway? lol