Our team manages client’s portfolios on an individual basis thereby allowing portfolios to be custom designed to meet your personal objectives. Our Fiduciary duty to our clients includes:

  • Private Investment Management (PIM) – Discretionary Portfolio Management Benefits

      PIM offers you a comprehensive customized portfolio, designed for you by your personal Portfolio Manager. Your individual portfolio is built from the ground up based on factors such as       your growth requirements, income needs and risk tolerance.  We will handle all the details on an ongoing basis, working within specific guidelines established in your Investment Policy         Statement (IPS). Freedom from the day to day management of your investments. As Portfolio Manager we are accountable to these guidelines, which are reviewed at least annually and       updated in consultation.

  • RBC DS Discretionary Investment Portfolios (A+ Program)

      In addition to a custom account we can also offer clients access to over 50 professional money managers.

  • Advisor – Non Discretionary Portfolio Management  Benefits

      Personalized professional advice from our management team. Main difference with PIM is we discuss each investment. PIM offers you freedom to let us manage your accounts. Under       this program we call and or send you recommendations for your approval. You stay connected and assist us manage your investment portfolio.

  • Transactional Portfolio  Management – Non Discretionary

      Fees charged per transaction (ranging from 1-2%) depending on investment type.

Benefits of Fee Accounts vs. Transactional Accounts

  • We focus on reaching your financial goals instead of individual transactions
  • Annual management fee for a non-registered account is tax deductible ( please see attached schedule of fees)
  • Premium daily interest, money market, GIC, and bond rates
  • Third Party risk advisor overseas custom discretionary portfolio.
  • No load mutual funds and lower management fees
  • Ease of gain or loss selling since no transaction costs
  • Stop losses/sell disciplines easier to enact
  • Portfolio insurance through option strategies cost effective
  • As your partnership with us grows and your assets increase, your fee % decreases.
  • If your account performs well through enhanced returns, our fee will increase.
Service and Reporting Plan
  • Investment Policy Statement designed & reviewed annually. Clear and easy to understand reporting.
  • Review as needed including asset allocation, identify cash and possible uses and portfolio changes.
  • Quarterly Portfolio Composition Report review which includes asset allocation, rate of return analysis, capital gains report and income projection.
  • RBC DS Monthly investment activity statement and summary, including security positions, originating value and month-end valuation and quarterly rate of return.
  • Year-end tax package and guide – information on interest, dividends and capital gains/losses.( T3,T4,T5, NR4,etc).
  • Confirmation of all trades.
  • Online account access and access to online research.
  • Other pertinent information on a timely basis.
  • Complimentary MacKay Group Weekly Investment Report, Weekly Focus List , Quarterly Investment Strategy Commentary & RBC Capital Markets Quarterly Strategy Publication.
Accounts and Services We Offer

Investment Account

Family Trust Account

TFSA

LIRA 

Equity Credit Line (Margin)

Charitable Gift of Stock account

RESP

Group RSP

Option

Charitable Foundation 

 RRSP

FX Futures

Corporate

 Annual Tax assisted Flow Through Share Program RRIF In-Trust
Holding Company   LIF