High-Net-Worth Investors

(services suitable for families with $1M of investable assets)

Your wealth, including the goals and dreams you have surrounding it, require some planning, and in-depth personal conversations. We will be a consistent point of contact for you and your family that will be stable over a long period of time. We will be here to help with all aspects of your financial plan.

We believe there is no “one size fits all” approach to creating an investment portfolio or financial plan. Each investment recommendation and component of your financial plan is designed to match your specific personal and financial goals. This includes investment products across all asset classes, and investment strategies including private debt, private equity, real estate, stocks, bonds, and special opportunities.

Beyond the tools we have available to help protect and grow your wealth, we’ll provide financial, retirement income, and estate planning for the entire family. This would extend all the way to grandchildren and even great-grandchildren at such time as they are ready.

Planning for Retirement

We will create a plan leading up to your retirement that will make it possible to sustain the lifestyle you’ve grown accustomed to without the need to work for additional income. Retirement is an important milestone in your life that requires careful planning and prudent wealth management to achieve your long-term lifestyle goals. From the onset of our relationship, we’ll advise you on the possibilities and present all options that will be key to the success of your transition into retirement.

Minimize Taxes

While most high-net-worth families share similar priorities – such as paying less tax – we consider each client’s situation individually and assist with customized solutions. We provide tailored advice regarding investment selection, wealth transfer strategies, personal foundation structures and insurance solutions that will help to minimize taxes.

White Glove Service in Retirement

You’ve taken several well thought out steps to get where you are today, and it’s time to settle into the next phase of your life. Our “white glove” planning service will explore all aspects of your outlook for retirement, and we’ll assist in creating a detailed plan that can support your goals.

Planning for retirement is certainly a financial endeavour. However, there’s also a psychological component to the transition. Whether you’re pre-planning for the big day or creating new routines years into retirement, we’ll make sure your financial plan supports the lifestyle you envision and we’ll walk you through the options each step of the way.

Promoting Financial Literacy

When it comes to passing on wealth to your children, there’s much more to it than just the financial aspect. Don’t educate your children to be rich. Educate them to be happy so that when they grow up, they’ll know the true value of things, not only the price.

Money can be a difficult topic to discuss with your children. As part of our service commitment to you, we offer our guidance and expertise to help bridge the educational gap. Family meetings, one-on-one focused sessions, and group educational seminar days are a few ways that we’re here to help.

Collaborating closely with your other trusted advisors, including tax advisors, private bankers, and legal counsel, we’ll recommend appropriate tax-efficient strategies. We will prepare an annual report summarizing all capital gains, dividends, and interest income that we can send directly to your tax advisor.

Enjoying the “Good Life” and Retirement

You’ve worked hard, you’ve enjoyed a fulfilling career, and you have followed “the plan” to help you achieve success and independence. Now it’s time to enjoy the next chapter of your life…retirement! You deserve the lifestyle that you’ve envisioned – whether that includes traveling the world, owning a vacation property, gifting wealth to your loved ones, or simply making a few major purchases.

We’ll be here to make sure that you enjoy the benefits of your life’s work and to ensure that your customized wealth plan allows you to enjoy the things that you want to do.

Client Service Offering

Families with $1 million or more in assets under management receive:

Service cost of 1% per year of assets under management.
Customized Financial Plan
Tax-efficient investments
Personal risk analysis (Estate Planning)
Semi-annual updates in person
Integrated investment management in line with our Wealth Investment Philosophy
Currency exchange at discounted rates
Industry-leading investment choices, including new issues, private placements, accredited investor funds and alternative investments such as mortgage pools, apartment buildings and student housing investments just to name a few.
Annual tax reporting package sent directly to your tax advisor
Executor education and handbook
Estate management
Educational seminars
Referral services to respected advisors such as tax accountants, legal advisors, real estate professionals, private equity specialists and private banking services.

Families with $10 million or more in assets under management additionally receive:

Quarterly updates in person
Monthly reporting on transactions and realized gain/loss reports to your tax advisor
24hr access to the team
Income coordination for family members
Coordination of your tax installments and registered plan contributions
Insurance renewals annually
Coordination of annual minimum distribution for family foundations