What costs belong in a managed-investing comparison?

Use the current management or advisory fee, fund expenses and applicable account, trading, currency, transfer or service charges. This tool compares only the values entered.

Does the lower entered annual cost identify the best service?

No. Service responsibilities, registration, risk, time horizon, account type, tax situation and product terms also matter.

Is a completed fit check a paid referral?

No. A fit result or owned-page open is journey evidence only. Provider records are required to confirm a qualifying funded referral or paid conversion.

Robo-Advisor Cost & Service Fit Check Canada

Entered annual-cost comparison

Use the documents you can verify.

Name the options for yourself, then enter the current percentage and fixed fees. Fund expenses are separate from a management or advisory fee unless the provider explicitly says otherwise.

Balance to compare

Option A nameLocal label only; never transmitted.

Option B nameLocal label only; never transmitted.

Option A

Management/advisory %

Fund expenses %

Annual fixed fees

Option B

Management/advisory %

Fund expenses %

Annual fixed fees

Option A annual cost—

Option B annual cost—

Entered annual difference—

Excluded unless entered: trading commissions, spreads, currency conversion, transfer or withdrawal charges, sales taxes, advice outside the service, tax consequences and future fee changes. A lower entered cost is not a recommendation.

Service responsibility check

Resolve the safety boundary.

This sequence does not assess risk tolerance or recommend a portfolio. It separates near-term money, emergency access, expensive debt and service responsibility before a provider review.

When might this money be needed?

Separate accessible emergency reserve

High-cost debt comparison

Who should choose and maintain investments?

Registration check

Current complete costs and service terms

Review the current Wealthsimple referral conditions Open official guidance

The owned referral explainer performs a separate eligibility and funding check. A service-fit result, explainer open or provider handoff is not an account, funded referral, paid conversion, revenue or profit.

Current official sources

Verify the exact service.

Bremo does not freeze provider pricing into a ranking. Open the official documents, enter what applies, and check registration immediately before acting.

CIRO: fees and costsManagement, fund, transaction, account and other cost categories to verify.CIRO: DIY versus advised investingResponsibilities, questions and trade-offs before choosing a service model.CIRO AdvisorReportCheck a CIRO-regulated investment advisor and disciplinary information.CSA: are they registered?Open the national registration path for firms and individuals.Wealthsimple: managed investingCurrent provider service and managed-investing information.Wealthsimple: pricingCurrent provider pricing and plan information; additional fees can apply.Questrade: Questwealth pricingCurrent provider management, fund and administrative cost disclosures.BMO SmartFolio: pricingCurrent provider advisory, fund and applicable service cost disclosures.

Commercial disclosure: Bremo may receive a personal referral benefit after a visitor independently passes the separate Wealthsimple referral conditions and provider requirements. This does not affect the calculator or non-commercial branches. Reviewed August 13, 2026. Educational information, not investment, tax or legal advice.