INVESTMENT ADVISORY ACCOUNTS

Through our wealth management programs, we create tailored solutions to address our clients’ individual needs. Because we want to preserve our clients’ hard-earned assets, we believe in a conservative investment approach focused on capital preservation. We hold ourselves to the highest levels of integrity and accountability to ensure that we are doing our absolute best for each and every one of our clients. We feel privileged to work with the families who come to us for wealth planning and are passionate about making their lifelong dreams come true.

Having a professional on your side helps to ensure that your portfolio is in good shape according to your risk acceptance level. We can help with your portfolio needs from diversification to disbursement, and we will work tirelessly to help you reach your financial goals.

  • Advisory Accounts
  • How to choose investments

INVEST WITH THE ENLIGHTENED OPINION OF YOUR INVESTMENT ADVISOR

We will propose an investment strategy which best suits your financial needs based on your risk tolerance and objectives. Investment advisory accounts offer you the opportunity to maintain control over investment decisions, while receiving guidance from a licensed professional.

Adding Value

  • Independent and un-biased advice
  • Experienced | Seamless | Reliable
  • Strength and backing of large nation-wide financial group
  • Asset allocation through a wide range of financial products, external professionals and services depending on our client’s situation, stage of life, and needs.
  • Risk diversification through quantitative techniques in traditional investments (stocks/bonds), ETFs, and alternative investments.
  • Strategic and tactical asset allocation of your account’s assets based on economic and market condition

Responsibilities

An advisory account allows for close collaboration with your Investment Advisor for Investment selection. To make the most of this relationship, a clear understanding of mutual responsibilities is vital

Your Responsibilities

  • Stay informed of the progress of your investment products
  • Monitor performance
  • Validate investment decisions
  • Inform your Investment Advisor of any change in personal or financial circumstances
  • Clearly communicate your investment objectives, risk tolerance and  time horizon

Your Investment Advisor’s responsibilities

  • Know your client profile
  • Provide suitable investment advice
  • Demonstrate a proper degree of prudence
  • Present investment recommendations that are suitable for your profile

Alternative investments are not suitable for all types of investors. Please obtain independent professional advise, in the context of your particular circumstances.

HOW TO CHOOSE

In addition to considering whether the risk and expected rate of return on investment of a product match your risk tolerance and  investment objectives, consider the terms of fund availability (liquidity), management costs associated with transactions and taxation on the type of income generated by the product. All of these factors will influence your investment strategy.

Liquid Low-Risk Products

A liquid product can easily be converted to cash. This category of assets includes debt securities whose investments are low risk. By investing in these securities, you lend your money to the issuer of the security; a government or a financial institution.

  • Treasury Bonds

  • Savings Bonds

  • Guaranteed Investment Certificates (GICs)

  • Money Market Fund

Fixed Income Securities

Like liquid products, fixed income securities are debt securities. However, they have a slightly higher risk because the loan granted to a government or company has a longer duration. In return, the expected return is higher.

  • Bonds

  • Debentures

  • Strip Bonds

Equities

Equities, also called shares or stocks, give the purchaser an ownership interest in a company proportional to the number of shares purchased. If the number of shares held by an investor is high, they can influence or even control the issuer. Compared to liquid and fixed income securities, the assumed risk is higher, but so is the expected return. The income generated is in the form of a distribution of company profits to shareholders (dividends) or a capital gain/loss if the shares gain/lose value in the stock market at the time of the sale.

  • Common Shares

  • Flow-Through Shares

  • Preferred Shares

Investment Funds

Investment funds may hold multiple asset classes. Investors pool their money to purchase securities of such funds and thus receive an investment portfolio at a lower cost while reducing risk. If the fund is structured as a trust, securities issued are units while if the fund is established by a corporation, the issued securities are shares. The shares purchased correspond to the portion of each security in the fund and give the holder a right to a net asset value (price) of all securities of the fund in proportion to the shares held. Depending on the assets, the income will consist in varying degrees of dividends, interest or capital gains. The risk will therefore vary accordingly.

  • Mutual Funds

  • ETFs

  • Income Trust

Other Investments

This asset category includes products that are more complex and sensitive to market fluctuations. As the associated risk may in some cases be high, these products are suitable for experienced investors or those with a good understanding of the product. In addition, investors should be comfortable with the possibility of financial losses. Under these risk conditions, the expected return of these products is higher than those of the more common products.

  • Structured Notes

  • Options

  • Rights and Warrants

  • New Issues

Do not hesitate to get in touch with us today if you have any questions, comments, or concerns regarding our wealth management services. We look forward to helping you preserve and grow your wealth.