Many Canadians are hesitant about financial advisors, seeking guidance without being sold unnecessary products. For those who prefer DIY finance, an hourly advisor may suffice, while others should hire a professional. Advisors vary in focus, from investment growth to specialized services for different life stages. Compensation models include fee-based and fee-for-service. It's crucial to understand fees and ensure value. Selecting a trustworthy advisor is essential for achieving financial goals, especially as retirement approaches.