Institutional-calibre portfolio management, personally delivered

We typically work with clients who have over $1 million in investable assets, though we can build diversified portfolios for clients with $400,000 or more. This minimum allows us to create properly diversified portfolios and access exclusive investments with higher minimum requirements.

Our clients come from all walks of life, with a concentration in entrepreneurs, corporate executives, physicians, and their families. We specialize in serving high net worth individuals who value independent, personalized wealth management.

Yes, we are licensed in Ontario and British Columbia, and we take on clients in other provinces when it's the right match. We serve clients across Canada with our comprehensive wealth management services.

We cover transfer fees charged by your current financial institution. Most assets can be transferred in kind, meaning no taxable event occurs. For accounts holding certain fund products, registered accounts (RRSP, TFSA, LIRA) transfer without tax consequences. We'll work with you to ensure the benefits outweigh any potential costs for non-registered accounts.

We charge one transparent fee based on asset levels. Our fee ranges from 1–1.5% depending on portfolio size, and includes portfolio management, financial planning, estate planning, and ongoing support for complex wealth matters. No hidden fees—everything is aligned and transparent. This fee may be tax deductible if paid outside registered accounts.

Your management fee covers portfolio management, financial planning, estate planning coordination, and ongoing advice. There are no hidden trailer fees, no transaction charges, and no separate planning costs. The fee may be tax deductible when paid outside registered accounts.

We take a growth at a reasonable price approach. Your portfolios should be able to recover from market fluctuations while having portions that are not subject to market volatility. We use all asset classes—ETFs, individual stocks, mutual funds, and alternatives—when they add value to your portfolio.

We act as financial advisors and help clients understand their risk tolerance, income needs, and the importance of following the developed plan. Our approach focuses on education and maintaining perspective during market fluctuations.

We strategically place tax heavy securities inside registered accounts and invest in tax efficient securities in non-registered accounts. This approach may seem minor but makes a significant difference in your longer term financial outcomes.

Yes, our investment strategies include corporate tax optimization. We also coordinate complex corporate structures with your accountant or our network of accounting professionals to ensure comprehensive tax planning.

Absolutely. The tax treatment and concentration risk of stock options are typically the most challenging issues executives face. We help you navigate Canadian RSU and ESPP tax implications and timing strategies to preserve your hard earned income.

Yes, we work regularly with estate lawyers to ensure clients plan well for their legacy. We complement estate planning by introducing trust structures and leveraging insurance policies to alleviate potential tax liabilities that could impact your assets.

Succession planning can be simple or complex depending on your company's size and structure. We help leverage corporate insurance policies, structure your succession to protect from creditors, and prepare your business for a potential sale.

We meet with clients quarterly for the first few years, then transition to a trust based relationship where we meet more or less frequently depending on your needs. We're always available for urgent financial questions.

Your money is custodied at regulated financial institutions. We have authority to manage your investments but cannot transfer funds to third parties. You have 24 hour online access to your accounts and can check them anytime, anywhere.

All custodian financial institutions we work with are members of the Canadian Investor Protection Fund (CIPF), a government body that protects your funds in the rare case a financial institution goes bankrupt.