If you invest in US markets even occasionally, it might be worth considering opening an account with Ameritrade. Each US equity trade will cost $10.99 compared to trades starting at $26.99 at E-Trade and the discount arms of the major Canadian banks. I’ve been using Ameritrade for over a year now and my experience with them has been very good.
Do you collect Aeroplan miles? Is it a couple of years since you flew Air Canada or had any transactions on your Aeroplan program? Aeroplan has now started expiring miles in dormant accounts. If this is the first time you are hearing about this, contact Aeroplan. They have a simple process of reinstating the expired miles.