What do you even need them for in the first place?
I don't need him. But he called me while I was at work. Initially I wanted to refuse, but just to end the conversation quicker so that I can get back to work, I agreed to the half an hour phone call later. It's free so there's no harm. I'm kind of glad that I had the call with him though ... not because I learned anything, but because of all the funny moments during that call. Besides the retirement issue I mentioned before, we also talked about investments. The conversation went something like this:
Financial Advisor: So how much do you currently pay in fees for your index funds?
Me: The MER of my index fund is 0.05%
Financial Advisor & Me: [laughs awkwardly]
Me [thinking to myself]: Yeah, you're not going to get a better deal for me than that.
As a side note, the ultra low cost ETFs are relatively new in Canada, unlike in the States. Until Vanguard came to Canada, BlackRock for instance was charging about 0.15% for it's MER on broad market ETFs. So a lot of Canadian FAs aren't used to hearing about MERs of 0.05%.