I must say that Lana seems to be a very good investor. Given that the maximum TFSA contribution at this point in time is only 46,500, she must have earned a minimum 16 % per year compounded over the last 8 years to have $90,000 at the end of 2016.  That's assuming she made the maximum contribution on Jan. 1 of each year, which probably wasn't possible/realistic in 2009 (when TFSA were introduced) or 2015 (when the limit was increased to 10,000, for once year only).  Thus, the CAGR on her TFSA is surely higher than 16%.

With investing skills like that, why do they needs advice from the G&M?