Whether you are accumulating assets or decumulating assets our investment management process starts with understanding you and which accounts we should be utilizing. (Registered Retirement Savings Plan, Tax-Free Savings Account, Corporate Investment Account, Etc).
We use the information we gathered during the discovery phase to develop a portfolio that encompass your (your business, your families) financial objectives, constraints and risk tolerance.
All of our portfolios are customized with our clients needs in mind. Whether you are focused on growth, income generation, preservation of capital, or corporate tax-efficiency, we create a personalized portfolio for you.
Some rules we follow when creating a portfolio:
- The strategic Asset Allocation (or asset mix) decision is the most important factor in determining investment return and risk over the long-term.
- Asset Location must be thoughtfully considered. Diversification within and across asset classes is a critical risk management mechanism.
- Tactical asset allocation (or market timing) cannot be expected to consistently add value over the long-term.
- Greater exposure to equities are best for investors who have a long-term horizon.
- Fixed income investments remain an important part of a well-diversified portfolio.
- Alternative investments will be considered if appropriate.
- Regular portfolio rebalancing helps maintain an appropriate level of risk exposure.
- Where active management is determined not to add value, such as in highly efficient markets, passive management is the default choice.
- Costs have a significant impact on long-term results and need to be carefully monitored and controlled to ensure value.
- We believe that ALL fees should be transparent.
- We believe in regular client reviews focusing on fees, performance, suitability and asset allocation.
Interested in seeing a sample portfolio with a detailed performance breakdown? Contact us today
