ValueTrend Wealth Management founder and owner Keith Richards has been in the securities industry since 1990. He is an author and popular media personality, often appearing on TV’s Business News Network, and writing for the Globe and Mail and for Investors Digest. He has been critical of the commission-based, follow-the-pack approach to investing—where brokers succeed regardless of performance. An experienced retail investment advisor, he had long recognized the advantages possible if he ventured beyond a bank’s limited investment menu and went forward independently—answering only to his clients on the basis of service quality.