Coordinated advice for every part of your financial life.

We coordinate investment management, tax planning, retirement, estate and insurance decisions in one practical strategy built around your circumstances.

Integrated Wealth Management

Investment Management

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Business Ownership

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Retirement & Cash Flow Planning

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Emerging Wealth

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Insurance

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Investment Management

Personalized portfolios, built with purpose.
We design research-driven investment portfolios aligned to your goals, risk tolerance, and time horizon—managed as part of your broader financial plan.

Our approach

  • Fiduciary discretionary portfolio management
  • Globally diversified, cost-conscious portfolios
  • Disciplined rebalancing and tax-aware withdrawals
  • Portfolio analytics and risk management integrated with your financial plan

Backed by Richardson Wealth, we use extensive research and resources to build effective investment solutions.

Business Ownership

Integrated planning for business owners and incorporated professionals.
We help entrepreneurs and incorporated professionals align personal and business goals to optimize decision-making, grow wealth, and plan for the future.

Our approach

  • Unified financial roadmap: Integrating personal and corporate planning to support wealth growth, protection, and transfer
  • Optimized compensation: Navigating T4 versus dividend decisions and implementing advanced strategies like Individual Pension Plans (IPPs) to maximize after-tax wealth
  • Integrated investment management: Managing business, personal, and retirement assets through one coordinated strategy
  • Succession planning: Supporting business valuation, ownership transition, and long-term legacy planning in collaboration with trusted experts
 

 

Retirement & Cash Flow Planning

Plan with clarity. Retire with confidence.
We help you understand how your cash flow, assets, and income work together—so you can enjoy life today while preparing for a secure and predictable retirement.

Our approach

  • Model current and future cash flow using advanced planning tools
  • Create a tax-efficient retirement roadmap
  • Align your investment portfolio to your income needs
  • Apply risk-management strategies to improve predictability
  • Review and adapt your plan as life evolves

Emerging Wealth

Planning for growing income and future opportunity.
We help high-earning professionals build strong financial foundations—balancing today’s goals with long-term planning.

Our approach

  • Coordinate cash flow, savings, and investments
  • Prioritize tax-efficient growth strategies
  • Plan for major milestones, from real estate acquisitions to career transitions
  • Build flexibility as income and goals evolve
 

 

Insurance

Protect what matters most.
Our insurance specialists assess risk and recommend personalized coverage to safeguard your finances and your loved ones.

Our approach

  • Identify risks and recommend coverage for unexpected events
  • Tailor insurance to your family, income, and assets
  • Help build a financial safety net for peace of mind
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Tax Planning

Tax planning is most effective when it is coordinated with your investments, compensation, corporation and estate. We work with your accounting and legal professionals to evaluate and implement strategies suited to your circumstances.

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Education Planning

Coordinate RESPs, government grants and family contributions to build an education-funding strategy suited to your goals.

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Estate Planning

Create a meaningful legacy. Draw on Richardson Wealth’s in-house estate and trust planning specialists to develop clear and thoughtful plans.

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Charitable Giving

Make the most of your charitable giving and create enduring impact. We align your philanthropic vision with tax-efficiency by employing tools like donor-advised funds and in-kind security donations.

Our Wealth
Management Philosophy

Better decisions start with the whole picture.

We begin by understanding how your investments, cash flow, corporation, taxes, retirement, estate and family priorities fit together. We then identify the decisions that matter most, model the trade-offs and build a practical roadmap.

Our role is to provide disciplined advice, coordinate the specialists involved and keep the strategy current as your circumstances evolve.

Our approach:

  • Your interests first: We provide discretionary portfolio management under a fiduciary standard and explain our recommendations, costs and trade-offs clearly.
  • One coordinated strategy: We consider investments, retirement, tax, estate and risk decisions together rather than in isolation.
  • Evidence over prediction: We use research, disciplined portfolio construction and realistic planning assumptions instead of relying on market forecasts
  • Tax-aware decisions: We evaluate account structure, asset location, compensation and withdrawals through an after-tax lens.
  • Clear action and accountability: We translate analysis into a practical roadmap, identify next steps and track progress over time.
  • Ongoing coordination: We work with your accounting, legal and other professional advisors and adapt the plan as your life changes.

Our Onboarding Process: The First 90 Days

A deliberate process gives us the context to provide better advice from the start. Our first 90 days begin with the initial discovery meeting and are organized into three clear phases.

Phase One

Discovery & Strategy
(Days 1-30)

We build a complete picture of your financial life, priorities and goals. We identify the most important decisions ahead, outline a coordinated strategy and decide together whether moving forward is the right fit.

What happens in this phase:

  • Initial discovery meeting
  • Collection and review of financial documents
  • Wealth strategy conversation & proposal
  • Mutual decision to move forward

Phase Two

Implementation & Activation
(Days 31-75)

Once we mutually agree to work together, we securely transfer and organize your accounts, establish online access and begin implementing the investment and planning priorities identified together.

What happens in this phase:

  • Complete necessary account applications
  • Implementation kickoff meeting & roadmap delivery
  • Managed asset transfer with regular status updates
  • Account activation and online access setup

Phase Three

Confirmation & Path Forward
(Days 90)

We review your newly organized financial picture, confirm the progress made and establish a clear rhythm for ongoing advice, communication and future planning.

What happens in this phase:

  • Consolidated portfolio review
  • Progress check against initial goals
  • Confirm communication and meeting rhythm
  • Prepare for your first annual strategy meeting

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Photo credits: Glovebox, Joe Martz. Victoria Park, Joe Martz.