Personal Investing

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A SMART approach
to investing

Build sustainable wealth

Our clients often have unique needs that call for a variety of investment strategies. As an independent firm we align your goals and values with award-winning investment and insurance solutions designed to reduce risk, minimize tax and deliver results.

Investment Solutions

  • Mutual Fund Trusts
  • Corporate Class Mutual Funds
  • Private Investment Pools
  • Sustainable Investing
  • Segregated Funds
  • Participating Life Insurance
  • Universal Life Insurance
  • Exchange Traded Funds (ETF’s)
  • Guaranteed Investment Certificates (GIC’s)
  • Investment Savings Accounts
  • Registered Retirement Savings Plan (RRSP)
  • Locked-in Retirement Account (LIRA)
  • Registered Retirement Income Funds (RRIF)
  • Tax-free Savings Account (TFSA)
  • Registered Education Savings Plan (RESP)
  • Registered Disability Savings Plan (RDSP)
  • First Home Savings Account (FHSA)
  • Non-Registered Investments (Non-Reg)
  • Individual Pension Plans (IPP)
  • Group Retirement Savings Plan (GRRSP)

Our S.M.A.R.T. investing approach


Start with goals & values

We establish your goals & values to ensure our investment recommendations align. As a leader in Sustainable Investing, we tailor strategies designed to reduce Environmental, Social and Governance (ESG) risks and deliver results.


Mitigate taxes

Mitigate – to make less severe, serious or painful. That definition sums up our approach to tax planning. We ensure our investment strategy is designed to mitigate taxes during both the wealth accumulation stage and when you withdraw funds.


Asset allocation selection

How each investment account is allocated into various assets classes is an important step. The proportion of equity (stocks), fixed income (bonds) and safety solutions (cash), including considering the benefits of using insurance as an asset class, are key considerations in any portfolio.


Review special considerations

Does the business owner have personal guarantees that require creditor protection solutions to safeguard assets? Does the portfolio demand a tailored approach to align with core values like sustainable investing? Are there specific estate, family legacy or philanthropic considerations that need to identify various beneficiaries or protection requirements?


Tailored best-in-class solutions

We view our role much like the coach of a professional sports team. To be a professional athlete. you need to be good. To be elite, you need to be great. Professional money management is no different. We look for legends!

Frequently asked questions

Which investment account (RRSP, TFSA, Non-Registered) is right for me?

It depends on a number of factors such as: where did the savings come from? Are you investing personally or in a corporation? Do you have room available inside your RRSP or TFSA? What is the goal you are trying to achieve with this money? Together we can design a tax-efficient investment strategy.

How can I tell if my investments are doing as well as they should be?

Popping the hood on your investment portfolio and comparing it to the best-in-class is often an eye-opening exercise. We believe that good decisions come from good information.

What is Sustainable Investing?

Sustainable Investing strategies provide investors an opportunity to combine strong financial performance with reduced Environmental, Social and Governance [ESG] risks. As one of the fastest growing investment categories, Sustainable Investing now represent more than 20% of all assets under management in Canada. As social and environmental risks increase, managing these risks is critical to achieve results and a broader impact.

We help navigate life’s most important financial decisions

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