One way to ensure you are optimizing your cash flow is to analyze the funds flowing in and out of your accounts. (cibc.com)
Both can analyze your fund fees so you can see if your funds are costing you too much. (freefrombroke.com)
Having a professional making adjustments, analyzing your fund options, and adjusting your allocation as you get closer to retirement goes a long, long way to helping you hit your goals. (blooom.com)