Two independent studies, the 2019 Canadian Financial Capability Survey (CFCS) and the Canadian Bankers Association Survey (CBAS) show that very few Canadians can be considered Financially Literate. The surveys found that people who made use of financial planning services were more financially literate overall. Financial planners assist people with meeting their financial challenges now and to plan for future expenses and retirement. They can help you develop a strategy to make your money work for you through: setting saving goals and strategies, tax planning, retirement planning, as well as will and estate planning and setting up trusts for those left…