The whole point is that many of these supplemental plans are defined contribution plans, not defined benefit. With a defined benefit plan like the CPP, there's really no need for advice because there's no decision-making on the part of the individual investor. When an individual investor is contributing to a defined contribution plan, that investor is taking on all the investment risk as well as a bunch of other risks. The investor needs advice--
On March 23rd, 2010. See this statement in context.