Investments

As independent advisors, we work exclusively in your best interest.

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We are not restricted to any investment products or companies.

This is a key factor in helping you make unbiased, disciplined decisions that will produce real, long-term results. Successful investment management combines the longevity of knowledge with the ability to adapt to change.


Why choose us?

With us, there is no such thing as a one-size-fits-all approach. Nobody’s individual situations, risk tolerance, and life circumstances are all the same - so why should your investment portfolio be? Our customized portfolios can provide you access to stocks, bonds, mutual funds, ETFs, and other securities. We provide:

investment strategy

Personalized Strategies

When you think of richness, perhaps you immediately think of monetary wealth. While this area of life is incredibly important, having strength, stability, and safety is more significant. Before we invest your first dollar, it is crucial to understand what you want to achieve. We do this by creating a personalized, adaptable, and clear plan first. Then, your investment portfolio is aligned with this strategy.

Investment Clarity

Investing should not be something that causes you stress. Having an advisor as part of your decision-making process is paramount to sustaining a strong portfolio that shouldn’t take you on an emotional rollercoaster ride. Your investments should reflect your financial goals and objectives, which is why we consistently monitor its progress to help ensure it stays on track.

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Cost Transparency

Fees are charged when investing with any financial institution, including banks. However, some fees are more obvious than others. Most fees are embedded into your investments, so you don’t know the actual amount you are paying in fees nor how they are calculated. We keep it simple by providing transparency of our fees and flexibility of how they are charged, so you can decide which is best for you.

Services we offer

Custom Investment Portfolio Management

Custom Investment Portfolio Management - The investment market naturally fluctuates. The question is, how does your advisor respond to it? We believe in actively managing portfolios and taking advantage of opportunities that the market creates. Active management creates flexibility to adapt not only to the market but also to the changes in your personal life, whether it’s unemployment, a new home, an expanded family, or retirement. With our investment management services, you can worry less about your investments and focus more on your goals.

custom investment portfolio management

Stocks

The foundation of many investment portfolios, stocks are a form of security that indicates the holder owns a fraction of the issuing corporation. Owning stocks in different companies can be a valuable part of your investment portfolio. Our independent advisors have years of deep-seated knowledge and experience in the stock market and will help eliminate the guesswork of choosing which stocks to purchase.

stock investment management

ETFs

Exchange-traded funds (ETFs) are a collection of stocks in a single fund, which can help diversify your portfolio. Some of the advantages of owning a bundle of assets in an ETF are the lower cost of management expense ratios (MERs) compared to mutual funds, tax efficiency, and the combination of diversification and trading flexibility. ETFs are a great investment option if you enjoy low-cost options. We explore various ETFs and help you choose the right options for your customized portfolio.

ETF, Exchange-traded fund

Bonds

A bond is a fixed-income investment that is issued by an investor to a borrower to raise funds for a specific purpose. It is an ‘IOU’ between the lender and the borrower. Our independent advisors consider your investment goals and weigh out the advantages of a bond against what you’re looking to accomplish. We review the maturity of the bond, which can be short-term, medium-term, or long-term and clearly communicate the pros and cons with you. Our objective approach and unbiased advice allow you to make an informed decision.

investment bond management

Mutual Funds

Like ETFs, mutual funds are a group of assets that can diversify your portfolio. One of the main differences between a mutual fund and an ETF is that mutual funds are actively managed while ETFs are passively managed. With us, you can be confident that your mutual funds and your customized investment portfolio are being actively managed by an experienced and proactive advisor.

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Segregated Funds

Similar to mutual funds, segregated funds are a pool of investments. The difference is that seg funds are distributed by Canadian insurance companies in the form of individual life insurance. This means that most, if not all, of your investments are protected and come with guarantees, such as the reimbursement of capital in the event of your death. Segregated funds offer the diversification and growth potential of a mutual fund while providing the protection of the money you invested.

segregated fund manager

Annuities

An annuity provides you with a guaranteed regular income. This type of investment is designed to protect you from the risk of outliving your income and is typically used for retirement planning. Bringing financial stability, your income will not change, despite any interest rate and market fluctuations. Annuities can be tailored to your specific needs, including options for immediate payout, payouts that start at a predetermined date, and fixed, variable, or indexed rates.

coins representing annuity

Corporate Investment

A great option that many owners of Canadian-controlled private corporations (CCPC) use to build up retirement savings is to invest within their corporation. Instead of withdrawing the profits of your business as personal income, you can invest the funds within your corporation and create significant tax savings. This often-used strategy utilizes a portfolio of corporate class funds which can provide tax-deferred growth, shelter your money from the passive income rules, and create tax-efficient cash flow when you need to withdraw. We can help you carefully place money into the right corporate investment depending on the level of returns you’re looking for, your risk tolerance, and the type of investment you’re interested in.

corporate investment management

RDSP (Disability Plan)

An RDSP is a savings plan designed for Canadians with disabilities to help save for long-term financial needs. Individuals under the age of 60 who qualify for the disability tax credit (DTC) are eligible for an RDSP and can take advantage of the tax-deferred growth and matched contributions from the government up to $90,000. Anyone can contribute to the RDSP and the income that the disabled recipient receives will not affect other programs such as OAS, GIS, CPP, and provincial social assistance programs. We help you set up the RDSP and design a portfolio that works for your goals and how much risk you’re comfortable with.

RDSP, Registered Disability Savings Plan meeting

RESP, TFSA, RRSP, DPSP, & More

Registered tax savings plans can help you achieve your goals quicker. As independent advisors, we provide you with unbiased investment advice that is tailored to you. Together, we explore the various registered and non-registered investment options, answer your questions clearly, and provide recommendations based on your goals, risk appetite, and your financial needs. Again, we are not tied down by a single financial institution or investment company. We offer no-pressure guidance and answer your questions with your best interests in mind.

meeting about RESP, TFSA, RRSP, DPSP, & More

Ready to get started?

Our first meeting is a conversation about where you are and where you want to go. We get to know you and why you want to build wealth. Then, we create a strategy that is completely tailored to you.

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