Fee-For-Service Integrated Wealth Management

Stay on track with your financial goals through a strong, supportive relationship and seamless collaboration between us and trusted investment managers, focused on your long-term success.

Why Choose Us?

Our team works closely with top-tier portfolio managers to align your financial and personal goals. You’ll benefit from complete transparency regarding investment risks, performance, and fees, while we ensure the managers stay focused on your best interests. This integrated approach eliminates conflicts between investment management and financial planning, giving you access to elite portfolio managers while allowing us to fully focus on your financial planning needs.

For your peace of mind, all investment managers and their trustees are members of the Canadian Investment Regulatory Organization (CIRO) and the Canadian Investor Protection Fund (CIPF), ensuring your investments are safe and secure.

What We Offer

  • A long-term relationship focused on implementation and accountability
  • Ongoing financial planning guidance and behavioural support
  • Seamless coordination with independent portfolio managers
  • Regular reviews and plan adjustments as life changes
  • Full transparency around risks, performance, and fees

How much does it cost?

In our view, planning should come before money moves. We begin with a fee-only financial planning engagement so you can understand the plan and feel confident in the relationship before transferring assets. Only once the plan is complete do we support implementation through independent portfolio managers, ensuring decisions are intentional and aligned, not made in reverse.

As part of our Integrated Wealth Management model, ongoing planning fees are deducted from your assets once investment management is in place. For portfolios below $500,000, a blended structure may be used, with fees billed partly directly to you and partly through your portfolio.

The ongoing financial planning fee is as follows:

Household Size

Referral / Planning Fee

$350,000 or below

1%

$350,000 - $2,000,000

0.6%

$2,000,000+

Negotiable

Investment Solutions

We offer a range of investment strategies to fit your needs, including:

  • Passive Investing
  • Active Management
  • Institutional Approaches
  • Alternative Investments

Flexible Fee Structure

  • Range: 0.45% (passive approach) to over 1% (private equity and alternative investments)
  • This includes both investment management fees and embedded MERs (Management Expense Ratios)
  • Your total fee for investment management and financial planning is approximately 1.6%, and it decreases as your assets increase

Transparency & Clarity

We provide an annual report detailing all fees, categorized as:

  • MER
  • Investment Management
  • Administration
  • Financial Planning
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