CBJ March 2026

33 HUB FINANCIAL MARCH 2026 « The Canadian Business Journal 32 objectively, and negotiate through the lens of advisor and client outcomes rather than manufacturer alignment. As consolidation continues to tie distributors more closely to specific product ecosystems, independence evolves from a market edge into an enduring competitive advantage — empowering advisors to maintain autonomy while delivering truly client-focused advice. Aligning Advice with Client Interests HUB ensures investment advice always serves the client first through an advice-first philosophy, supported by rigorous compliance standards, robust suitability reviews, and ongoing advisor education. Every discussion begins with a clear understanding of client goals, retirement income, tax efficiency, wealth transfer, and risk tolerance — before any product is considered. By focusing on planning outcomes rather than product features, advisors solve client problems instead of meeting sales quotas. Comprehensive training, supervisory oversight,