if you know everything, you don't need to book an appointment with 销售代表. just go there. + N$ X5 k8 U/ [no charge for service in TD, there is a service charge in CIBC and Scotia Bank.
RESP's for education% y4 v4 p+ u7 Q& \$ \5 u; I$ ~1 O3 N
my dad got mine with RBC $ W S0 ~: Y2 {9 j: w9 I5 _9 ~pretty good V+ S% A! \( k# Ymaybe you can go check it out