We must always stay vigilant to reduce potential cybersecurity threats to our systems and data.  Phishing is a type of cyberattack that tries to trick you into revealing sensitive information like usernames, passwords, or financial details.   Criminals use deceptive emails, messages, or websites that appear legitimate so be careful if you are unsure about any email,...Read More

We provide a fairly unique approach to our minimum account size. Although we came from financial institutions that reserved their top drawer investment services for very high net worth clients, we care more about creating solid professional relationships than about creating barriers to our premium financial services. We recognize the importance of getting an early start...Read More

You become a business owner when you invest in stocks, so naturally you are interested in the profitability of your businesses. This chart demonstrates how S&P500 corporations have overcome tremendous economic challenges. They grew by creating new products, inventing more efficient technologies, and developing new markets.   Although profits cycle up and down, over the long...Read More

We have a question for you! Q: How do you quantify the value people recieve from financial advice? A: By wealth accumulation over time, which is documented here:  Wow! So, why does working with a financial advisor have such a positive impact? One important reason is that financial advisors invest for the long term.  Plus,...Read More

When markets make new all-time highs they can still keep rising for quite some time – and nobody knows when that will change. At times such as these, when stock markets are high, investors especially need effective risk managment. Our “pension-style” portfolio models select specific funds which combine multiple protective strategies: A balanced, diversified, multi-asset strategy...Read More

Millions of investors place their trust in financial advisors to manage their portfolios.  However, we are different because we offer “pension-style” portfolios along with our personalized advice to help you achieve your goals. As a result, most of our clients have entrusted us, not with part, but with all of their investment wealth. If you...Read More

Have you heard of the Canadian Consumer Tax Index which tracks the tax rate the average family pays?  The total tax bill for Canadian families has now grown to 42.3% of income in 2024vs 33.5% in 1961.  The Canadian Consumer Tax Index Chart* indicates: Total taxes have increased 2,784% Family income has increased 2,186%  The Consumer Price Index increased 927%  Your...Read More

“It’s pretty easy to get well-to-do slowly. But it’s not easy to get rich quick.” ~ Warren Buffett We came across surprising statistics regarding day trading. Did you know that only 1% of traders are profitable? Moreover, 60% quit after one month, and 80% quit within two years. Scientific research indicates sucessfull investors tend to invest...Read More

“A calm and modest life brings more happiness than the pursuit of success with constant recklessness.” ~Albert Einstein How do we overcome the financial mistakes investors repeat generation after generation? How do we manage our instincts such as fear, envy, and overconfidence?  Our answer is that “pension-style” investing solves these problems and helps us sleep...Read More

Our “pension-style” portfolios provide opportunity as well as safety for Canadian investors.  Here are two reasons we diversify your funds outside of Canada: Canada represents only 3% of the world’s market capitalization. Investing internationally diversifies risk.   While our fund managers do invest inside Canada, even our “Canadian” funds have invested the maximum (up to 50%)...Read More