CI Direct Investing

CI Direct Investing (formerly WealthBar) is CI Financial's robo-advisor. Its distinctive advantage: included access to a Certified Financial Planner (CFP), which is rare among robo-advisors.

Portfolios are built with a mix of low-cost ETFs. The real value-add is personalized human advice for tax planning, retirement, and insurance.

• Management fee: 0.60% (under $150K), decreasing for larger amounts
• Minimum deposit: $100
• Accounts: TFSA, RRSP, RESP, RRIF, LIRA, non-registered
• Financial planner: access included (rare)
• Rebalancing and DRIP: included
• Transfer out: $0

A good choice if you want more than a simple robo-advisor and appreciate personalized human advice, especially if your financial situation is more complex.