Investment Advisor, iA Private Wealth
Insurance Advisor*, iA Private Wealth Insurance Agency
Call/Text: (250) 808-2216
Insurance Advisor*, iA Private Wealth Insurance Agency
"Simplicity is the ultimate sophistication."
- Leonardo Da Vinci
Simple. Clear. Low-Fees.
Our planning process and investment strategies are simple, clearly understandable, with low-fees. We believe this is key for a successful lifetime investing experience.
We help you answer the essential retirement question of today: Are you going to be OK financially in a potential 20 to 30-year retirement, given that living costs will continue to rise over your lifetime?
Our clients want a sustainable retirement income from their investments and accompanying pensions (keeping pace with rising living costs) for the balance of their retirement lives, AND they'd love to leave a meaningful legacy to their heirs.
This is what we help our clients do.
Our Process
Our process is simple.
We determine your retirement income and legacy goals, then develop a plan to reach those goals.
We then match your plan with a low-fee investment portfolio that has historically provided the return needed to achieve your goals.
Finally, we deliver ongoing investor behaviour coaching to provide you with the patience, discipline, and perspective required to stay the course over time. In a sense, we act as your investing “behavioural counsellors.”
In summary: Your Goals --> The Plan --> The Portfolio --> Investor Behaviour.
Our Portfolio Minimum and Low Fees
Clients typically have a family household portfolio size of $500,000 or more.
Our clients’ total all-in fees range from 0.75% - 1.04%. In comparison, the average all-in Canadian mutual fund management expense ratio (MER) fee is 2.30% (Source: Morningstar).
If you can simply reduce your fees by 0.50% annually on a $500,000 portfolio the fee savings compound over time: in 10 years you'd save $47,000 in fees; over 20 years you'd save $189,000 in fees; over 30 years you'd save $571,000 in fees.
The math is simple. The impact on your portfolio is significant. This is why it's important to know your fees and how they're impacting your lifetime investment plan.
Our Investment Philosophy
Our investment philosophy is simple and grounded in academic evidence.
We utilize low-fee global index-fund portfolios from Dimensional Funds for our clients.
We don’t believe in stock picking or trying to outsmart the market, because it can’t be done consistently over time.
Our Responsibility To Clients
We have a professional responsibility and obligation to make recommendations based solely on your best interest.
Although we’re associated with iA Private Wealth, we operate as an independent professional advisory team. We place high value on long-term relationships built on trust and open communication.
We will be there when you need us.
Account Transfer Fees
We cover all transfer fees for our new clients. We want the transfer process to be smooth and cost-free for you.
Ideally, we want “raving lifetime fans” as clients. If, at any time, you are not completely satisfied with our financial guidance and service, we want to make it right with you immediately, or allow you to move to another investment advisor – at no cost to you.
We will cover your transfer-out fees to another advisor at any time. That said, we are very confident that over the years working together, our value will be worth multiples of our fee.
