As a layman with a vested interest in my financial future, I looked everywhere to find someone whose investment philosophy was aligned with the empirical evidence. It took me several months of research before I found someone exactly like that in John. As a nice bonus he, quite literally, wrote the book on ethics in the industry. John is knowledgeable and informed about efficient and research-based long-term financial planning and investing. As a result, the net costs of his services (once his fees and fund MERs are factored in) are much lower than the average adviser in the industry. Lower net costs mean (much) higher returns over the long term. He is also one of the few Canadian advisers I know of that has even heard of the Fama-French five-factor model and can operationalize an investment plan based on it. While I have been using his services for a relatively short time, we have drawn up a sensible long term plan which we will periodically review. I am certain that he will look after my future financial interests not as a salesman, but as a fiduciary. In sum, I am quite happy with John and recommend him to anyone who wishes to have an adviser firmly grounded in data, ethics, and the ability to put in place a cogent plan that is in the best interests of his clients.