Investment Management

Our investment philosophy is that managing market risk is the most important thing we do for our clients when we invest their capital. We are long term investors and are interested in helping our clients build and preserve their wealth. The second most important thing that we are committed to is managing fees; by keeping them both reasonable and to a minimum.

What makes us different from most other financial planners is that we use low-cost index ETF strategies as core holdings for our clients. Individual stocks are much too risky, so roughly 50-60% of a typical client’s portfolio is invested in broadly diversified low fee ETFs. For the remaining 40-50% allocation, we use mutual funds, segregated funds and/or other alternative investment strategies tailored to a client’s objectives and time horizon. Essentially, we only use more expensive funds when it is necessary to gain exposure to asset classes and strategies that we can’t obtain from the ETFs we like to buy.

We are fee based. We believe in complete transparency and the use of a fully unbundled fee structure, so that our clients understand their cost of investing. When clients transfer their assets to us from either a bank, another advisor, or an investment management firm, they routinely enjoy reduced fees in addition to better service. These savings compound over time and result in more money in our client’s pockets.

Products we use

Low fee ETFs

Mutual Funds

Segregated Funds

Alternative Funds

Mutual funds and/or approved exempt market products are offered through Investia Financial Services Inc. (“Investia”). Mutual funds and exempt market products are sold exclusively by Representatives who are licensed by provincial regulators and registered with Investia.

Commissions, trailing commissions, management fees and other expenses may be associated with mutual fund/exempt market product investments. Please read the Fund Fact or prospectus carefully before investing. Mutual fund and exempt market product investments are not guaranteed, their values change frequently, and their past performance may not be repeated.

Guaranteed Investment Certificates (GICs) are offered through Investia Financial Services Inc. and/or multiple carriers.

Whether you have questions about your existing portfolio or you would like to determine if investing with us is right for you, call our office today.

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