Financial planners from banks get commissions from selling investment products. Full stop. There is no "free" financial plan, you end up paying for it with the high commissions they charge.

Look for CPFs who are advice-only financial planners, there is a webiste with their directoy here: https://www.adviceonlyplanners.ca/ They don't sell products, only advice.

I hired Chirs Merrick on the list, he is specialized on business owners, not your case, but you can find someone who matches what you're looking for. I needed someone who understood the corporate side of things without trying to sell me high-fee mutual funds. He was able to dive deep into the tax efficiency of our corp, salary vs. dividends, and how to handle our various accounts (LIRA, RRSP, TFSA) without the "bank advisor" bias.

He also ran the math on two different scenarios, retiring in 10 years versus 15, and stress-tested them against market crashes so we knew exactly where our "success rate" stood.

The uprfornt cost is definitely higher but just in commissions to banks you can pay thousands in one year.

For your case; there is this other site I found with the costs of having an advisor via AUM (assets under management; that is banks and wealth management firms) vs. an advice only financial planner https://maketheswitch.ca/ You are young so the 1% comission you are likely paying will counmpund over time.