Titles in Canadian wealth management are used freely, and the distinction is consequential. A financial advisor or financial consultant typically counsels on a particular product or discipline. A financial planner, and a CERTIFIED FINANCIAL PLANNER® professional in particular, takes responsibility for the whole: investments, tax, insurance, estate and retirement, and the way each decision bears upon the others. At a certain level of wealth, outcomes are shaped less by any single recommendation than by how deliberately every element is orchestrated. That's the discipline we practise.