Is a financial advisor in the Canadian Mutual Fund sector worth the cost?

Please include current discussion of regulatory changes by the Canadian Securities Administrators to ban embedded fees… studies show that implementing a fee for service environment will increase the total cost for individual investors
PLEASE use as many canadian sources as possible – i have included a few.

This paper needs to be 18-20 pages long.
This will be a literature review containing 40-50 articles.
The investment analysis and portfolio management book by Reilly and Brown should be quoted at least once.
Less than half of my sources can come from popular sources such as industry magazines, textbooks, and popular press.

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