You may directly or indirectly pay fees and expenses when investing in mutual funds. These fees reduce the return you get on your investment. Not all funds have the same fee structure and you may pay varying one-time sales charges, ongoing management fees and other transactional costs and account fees. To help us with the discussion is David Barnsdale. David is a Certified Financial Planner with The Barnsdale & Hussain Wealth Management Group of RBC Dominion Securities. He has extensive experience working with Family businesses to help them maximize the wealth generated from the family business and shelter those hard earned dollars from the nasty taxman.