As your portfolio manager, we work with you to determine the investment portfolio that is best suited to meet your needs, balancing your return objectives with your risk tolerance. We then take care of the day-to-day investment management on your behalf – buying and selling securities, managing cash flows, and keeping your portfolio invested according to your guidelines.
While many portfolio managers construct portfolios that they hope will outperform the market (a strategy called active management), we offer investment portfolios that seek to track the performance of well-established market indices (a strategy called passive management).
Our approach is supported by historical evidence and academic research that conclude it is very difficult for an active manager to consistently outperform the market. In fact, research shows that the return of well-established market indices outperforms the majority of active managers, especially over the long-term.
Before recommending one of our investment portfolios to a client, we must first understand their financial circumstances, return objectives, time horizon, and risk tolerance. Rather than completing this assessment using a basic questionnaire, we work with each client to develop a comprehensive financial plan to gain a deeper understanding of their unique situation. Financial planning is an iterative process, and each client’s plan is updated over time as assumptions and circumstances change.
Given the close relationship between investments, financial planning, and income taxes, we also assist clients with the preparation and filing of their personal income tax returns. From the client’s perspective this is more efficient than coordinating information between their wealth manager and an accountant. From our perspective, we gain a better understanding of each client’s financial circumstances which can lead to a more accurate financial plan and better investment recommendations.
The Alberta Securities Commission is the regulatory agency responsible for administering Alberta’s securities laws and oversee the registration of firms in several categories (e.g. Investment Dealers, Mutual Fund Dealers, and Portfolio Managers). We are registered in the category of Portfolio Manager, which the regulator defines as “a firm that provides advice, manages your investment portfolio, and buys and sells on your behalf according to the instructions or discretionary authority you have given.”