Client Risk Profile
Each client's portfolio is custom designed, with the assessment of risk tolerance paramount to the process. We make the time to listen to our client's long term objectives, in order to determine the right amount of risk a client's asset allocation can accept. Planning meetings can be all encompassing, and often involve the discussion of non-financial matters, in an effort to integrate our clients' life goals into their financial plan. Our discussions lead us to an agreement on the levels, and types of risk that are appropriate for a given client's situation.
Asset Allocation & Implementation
A client's risk profile, investment horizon, liquidity and cash flow requirements, are all consolidated into an investment policy, and ultimately implemented through an asset allocation. Asset allocation is a dynamic process that is reviewed frequently to adapt to our outlook, and to the changing needs of our clients.
We search and evaluate from the entire universe of investment ideas. We manage client portfolios to optimize performance, cost, and tax efficiency across active and passive vehicles.
Investment Research and Selection
We evaluate hundreds of investment ideas annually, focusing only on the select few that meet our criteria of attractive risk adjusted rates of return, timeliness, and a focus on wealth preservation. Our equity research team helps identify investment opportunities across the market capitalization spectrum, covering over 350 Canadian companies and select international companies. Through research agreements, we also have direct access the global research capabilities of JP Morgan and Credit Suisse. We are strong advocates of a large allocation to long term, passive investment strategies and are among the most experienced and knowledgeable advisor's in the use of ETF's and index strategies in Canada. We conduct extensive due diligence of ETF providers to ensure our clients continued access to the best available products.
Fixed Income Investments
Bonds are an integral part of a well diversified portfolio, particularly where wealth preservation is a paramount goal. We work closely with our Wholesale Banking Group at CIBC to ensure that our client's receive the best possible selection and execution of fixed income investments.