Investment Philosophy

Are you tired of hearing your advisor tell you to “stay the course, to be patient, or that you’ll do well over the long term?” Have you ever wondered if there must be a better way? There is.

Imagine this:

Your financial advisor is only working with 25 or so clients — and you are one of them. IMAGINE the level of attention you and your portfolio would receive. Do you think that added attention could positively impact your investment outcomes?

The REALITY is that most advisors serve hundreds of households. If an advisor helps 300 households, averaging 2 clients per household with 3 accounts each (e.g., non-registered, RRSP, TFSA), that’s 1,800 accounts to monitor. Even if your advisor spent every hour of the day on investments, how often could they provide truly timely, tailored advice? If a market correction loomed, compliance rules would still require household-by-household calls for approvals. At one hour per call, it could take over a month to reach everyone — often too late. This is why many advisors default to “buy and hold” portfolios, rebalanced only occasionally. But consider: do pension plans call every pensioner before adjusting investments? Or do they simply act in the members’ best interests? Don’t you deserve the same?

Imagine again:

Your advisory team groups clients by risk profile: conservative, balanced, or growth. Each group follows a disciplined portfolio mandate overseen by a dedicated Portfolio Manager. This manager has the discretion to make timely adjustments based on market conditions, reducing equities when markets peak, or moving to cash if necessary. When markets are low, equities are increased to capture opportunities.

Because changes apply across all clients within a risk category, decisions are executed swiftly — ensuring no one misses opportunities while avoiding unnecessary delays.