About · Updated September 4, 2026

Who is behind
this site

A site earning a commission owes you the name of who pays it, and how much. Here is who runs it, how he makes a living, and the method that decides what gets published.

Exclusive Code LOIO3A gets you $35 total: $25 from Wealthsimple, $10 I send by Interac after the claim form. See the offer + form →
Anthony Marseul, editor of ws-referral.ca
Anthony Marseul
37 · Canadian · Editor of ws-referral.ca

I have been following personal finance and investment strategy long enough to have watched the same bad advice come back around every couple of years. This site is my way of writing down what I wish I had read before opening my own accounts.


Transparency first

How this site
makes money

Wealthsimple pays me $25 when someone opens an account with my code and meets the deposit conditions. I send $10 of that back by Interac e-Transfer, out of my own pocket, after the claim form. That leaves me $15 per person, and that is the entire business model.

I say it up front because it changes how the rest should be read. A site earning a commission is not neutral, and claiming otherwise would be the first dishonesty. What I can do is make the bias visible and measurable instead of hiding it.

The bank comparison tool is the clearest example: it weighs 18 criteria with no house bonus, and it recommends Wealthsimple in roughly 13% of profiles. In the other 87% it sends the reader elsewhere. That share is recomputed on every page load — it is not written in, so it stays true even if I change the scale.

The $10 comes from me, not from Wealthsimple
It is a personal rebate specific to this site, conditional on the claim form. Wealthsimple knows nothing about it and does not guarantee it. If you skip the form you still get the $25 bonus, but not the $10.

The method

What I refuse
to publish

Three rules decide what makes it onto the site. They are not decoration: they have already cost whole pages I would rather have kept.

  1. No volatile figure presented as stable. Monthly fees, savings rates and welcome bonuses change several times a year. The comparison tool therefore does not put numbers on them: it records whether fees exist, not how much. A figure that is wrong in six months costs more than no figure.
  2. What cannot be verified is written as such. When two sources contradict each other, the page says so and points to the CRA or the official rules, rather than picking a side to look tidy.
  3. Every data point carries its date. Articles end with a block of dated sources. When a rule changes, the page is corrected rather than replaced, and the update date moves.

The Monthly Millionaire contest is the best test of that last rule. Its format changes every edition: August 2026 was $1,000,000 in cash across four draws, September was five Toronto condos and a completely different entry scale. The contest pages are rewritten each edition rather than left to age.


The limits

What I am not

A question, or a correction to report?
If a figure on this site is wrong or out of date, tell me: it is the most useful way to contribute. The form on the home page reaches me directly, and you can write something other than a rebate request in it. I also post the site's figures on X, @WSReferral: a reply there reaches me just as well.
Exclusive offer · $35 total


$25 from Wealthsimple,
$10 from me

Code LOIO3A: $25 Wealthsimple bonus + $10 I send by Interac e-Transfer after the claim form = $35 total.

Copy the code and open Wealthsimple →