“Markets eventually recover despite volatility” ~Mackenzie Investments, Market Volatility, Investors guide Over your investment horizon, it is most likely many crises will occur in stock markets.  While past events are no guarantee of future results these two fascinating charts show: The numerous upheavals in our world and in markets The market volatility and recovery in...Read More

“That fear of missing out on things makes you miss out on everything.” ~Etty Hillesum As we are all aware, particular assets can rise very sharply from time-to-time. Predictably, news stories will create anxiety by focusing on the unusual gains other market participants are making, which can influence investor sentiment quite dramatically.  As more people...Read More

Most of our clients entrust us with all of their investment wealth, a responsibility we take very seriously.  We build long-term relationships, often over decades, helping clients achieve lasting financial success. We hold in-depth conversations with each client to understand their personal goals.  Our investment planning is based upon an individual’s entire financial picture. We aim to provide lifelong, tax-efficient...Read More

“There is a symmetry to bear markets in the short-term. In the long-term there is an asymmetric relationship between bull and bear markets. You just have to survive the short run to get to the long run.”  ~ Ben Carlson Bulls and bears represent stock markets because of the way they attack. Bulls fight by...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

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

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

The study of behavioural finance reveals that investors form certain biases based on past experiences. These patterns of thought can lead to investment decisions that are driven by emotion rather than rationality. To overcome these biases we need to be aware of them and understand how they can work against us.  One way to overcome...Read More

We want you to alert you to a fraudulent website scam costing Canadians their savings: Spoofing! “Spoofed” websites look like the real thing but they are fake! This scam is so dangerous because criminals carefully imitate trusted websites in order to empty victims’ bank accounts. By clicking on a link in a text or email link – or even performing...Read More

We have all experienced a tremendous amount of change during the first half of this decade! In his article, The Most Volatile Decade, Ben Carlson notes the paradox for investors during these last five years: “The booms and busts are happening faster than ever yet the market continues to charge higher.” “Although this decade has seen a...Read More