Alistair's bank manager tells him he can get sound well-rounded financial planning advice free from the bank because he has his RRSPs at the bank. What is the best advice to give him? 1) Your bank manager is right enough. Since the advice is free, you can't go too far wrong. 2) Your bank manager is the last person you should listen to. 3) You can get the best advice from someone who is paid by you for advice and does not make a commission on the products you buy. 4) Fee-only investment advisors get paid based on the size of your portfolio so their advice is sound since they don't earn a commission