Some of our clients prefer to use only guaranteed investments. Many will prefer to take on some amount of risk to have the opportunity for a better return.

Some clients prefer to use one or more balanced portfolios where all asset classes and the allocation among them is managed by a single management firm. This approach simplifies reporting and minimizes the need for the client to be involved in rebalancing decisions.

Other clients prefer to use the ‘best in class’ managers across the portfolio. This requires that we separate the asset classes to be used in the portfolio, and assign a top manager to each one of them. It is unlikely that any one management firm will be the best at every asset class, so this approach usually results in a portfolio of 5-10 separate mandates, each managed by a different firm. A good analogy might be a hockey or football pool where you build your ‘dream team’ of the best players from all the teams. Fortunately, we have the ability to use self-directed accounts which can hold multiple managers in the same RRSP or Non-Registered account, to make it easy to report on the aggregate portfolio, and to rebalance periodically between the asset classes to keep the portfolio on track.

Whatever your goals and preferences, we will assign an Account Manager who will be responsible for your care and satisfaction. They will help you assess your objectives and risk tolerance, select the most appropriate guaranteed or variable investments, and place holdings for you tax-efficiently across registered and taxable plans. We will report regularly on performance and asset allocation, and perform periodic rebalancing and replacement of holdings no longer achieving your objectives.

Please call us or use our Ask-Page to arrange a time to review your own portfolio against your specific objectives.