The investment products offered by investment advisors ("IA"), many of whom have no formal financial education other than their bank's internal program, have very high MERs, so these branch IAs are just salespeople really.  

If you deal with TD, you're better off using their e-Series funds (pretty low MERs) and use the Couch Potato portfolio (google it) to invest on your own.  Or use a discount brokerage (banks have them too) and invest in ETFs (even lower fees than TD's e-Series funds).

High schools should do a much better job preparing people for relatively simple investing. Too many Canadians, even the young, are intimidated by simple concepts that 15 year olds could easily learn to save themselves tens of thousands of dollars in fees over their lifetime.  Because they're intimidated by investing concepts, people trust bank employees with not much more education, who are NOT working for the customer's financial interest but rather for the bank's.