The Wealthy Barber Podcast #48 — Rob Carrick (Returns): Retirement, the Value of Financial Advice and the Canadian Economy
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Mar 17, 2026 
Rob Carrick, longtime Globe and Mail personal finance columnist now semi-retired and writing a Substack, returns to talk retirement transitions and finding purpose after work. He discusses the rise of advice-only financial planners and why near-retirees benefit from quality advice. They explore economic worries: inflation, mortgage renewals, household debt, the real cost of homeownership and whether houses can fund retirement.
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Use Fee For Service Planners For Focused Help
- Seek fee-for-service (advice-only) planners for targeted, a la carte financial help instead of product-selling advisors.
- Rob notes these planners charge hourly or flat fees and can help anyone, even with small portfolios.
Advisor Quality Has Markedly Improved
- The median quality of financial advisors has improved substantially due to better training and peer sharing.
- Rob contrasted earlier eras of complaints with today’s CFP-qualified planners who avoid product conflicts.
Get Professional Help Near Retirement
- If you're near retirement, get a comprehensive financial planner to model CPP, pensions, RRSP/RRIF and tax timing.
- David and Rob both recommend advisors with software to run scenarios and consolidate scattered accounts for seamless access.