Cont. from previous

You do have to remember these are long term returns, which means you can't be jumping in and out with any bump in the market.  You have to do your research and as long as nothing material has changed with the company you have to ignore the bumps, or use them to buy more on the cheap. (I bought some BNS last year at $51.66, check where it is now). 

As for taxes, there is none in a TFSA and if in a RRSP there are no taxes until withdrawn.  Also, even in a non-registered account you don't pay capital gains tax on an equity until you sell it. (Holding a stock long term has benefits)  Dividend payments are another matter, but with the dividend tax credit the tax paid will be minimal compared to interest income. 

These returns are very achievable over the long term, and all this can be done without paying an advisor, all you have to do is read a little and have faith in yourself and the power of compounding. 

Happy capitalism!