I Fired My Financial Advisor. This 15-Minute System Replaced Him.

I was paying $3,000 a year in mutual fund fees to underperform the market — so I fired my advisor. This video breaks down the exact ETF system, MER math, and registered account order that replaced him entirely. In this video I break down the five-step self-directed ETF system that costs 0.20% MER versus the 2% the big banks charge — a $370,000 difference over 30 years on a modest portfolio. I cover how to open a Questrade or Wealthsimple account, why 98% of active managers underperform their benchmark (SPIVA data), and the single asset-allocation ETF approach (VGRO, XGRO) that auto-rebalances without you. TFSA comes first if you're in a lower bracket, RRSP first if you're in a high bracket — then non-registered last. Whether you're a salaried professional tired of bank mutual fund fees, a first-time self-directed investor, or someone staring at a retirement gap — this is the complete playbook. And when you're ready to act on it, the BrixPulse report below is the next step. ⏱️ CHAPTERS: 0:00 - The $3,000/Year Wake-Up Call 3:00 - How Much Your MER Is Actually Costing You 8:00 - The $370,000 Fee Gap (Real Math) 12:00 - 5-Step Self-Directed ETF System 17:00 - TFSA, RRSP & Account Order of Operations 21:00 - The #1 Mistake That Wrecks Results 🇨🇦 STRATEGIES: Low-Cost Index ETF (VGRO/XGRO) · MER Fee Drag Analysis · Dollar Cost Averaging · TFSA & RRSP Account Order 🏠 GET YOUR MUST-HAVE REAL ESTATE REPORTS — Before You Buy or Sell Your realtor probably knows these reports exist. They won't tell you. Why? Realtors get paid when you sign — not when you walk away from a bad deal. These reports tell you the truth, even when the truth costs the agent a commission. 🔍 THINKING OF BUYING A HOME? Get the Homebuyer Purchase Analysis before you make an offer: If you're thinking of buying a home, BrixPulse reports tell you exactly what the bank will say before you risk your deposit and damage your credit score. See the property's real value, financing risks, and hidden red fla