Personal Investments

In conjunction with our fully discretionary Portfolio Management partners, we provide advanced personal investment planning for our clientele

Portfolio Management

KAI Asset Management is a Portfolio Management Firm with whom we co-ordinate to ensure you receive integrated holistic financial solutions.  As your financial planner, we will participate in regular discussion with KAI Asset Management to ensure they have a deeper insight into your investment needs and circumstances and ensure your investment portfolios are managed in line with your overall financial plan.

What are the benefits of working with a Portfolio Manager?

1. Regulatory Responsibility

Our Portfolio Managers have a regulatory responsibility to act with care, honesty and good faith in their client’s best interests.  They are under the jurisdiction of provincial securities commissions who are responsible for licensing and overseeing of such firms.  Portfolio Managers are required to meet certain conditions of registration with include, their implementation of an effective compliance structure and registration of staff who have discretionary authority over client portfolios.  These individuals must meet specific educational and proficiency requirements as a condition of their registration. 

2. Investment Plan and Portfolio Management

An Investment Policy Statement (IPS) will typically be drafted by the Portfolio Manager in consultation with their client and client’s advisors (e.g. Financial Planners). This document should set out the general guidelines under which the portfolio will be managed and may include operational matters such as reporting the client can expect and periodic investment review meetings with clients. 

3. Fees

A discretionary portfolio management fee is typically charged as a percentage of the value of the client’s investment portfolios.  These fees are disclosed as in an Investment Management Agreement that clients must execute with the Portfolio Manager.  The dollar amount of fees actually charged are typically disclosed in quarterly client statements and in an annual summary of charges and compensation.  Though actual fees vary, discretionary portfolio managements fees are typically lower than the management expense ratio incurred by mutual funds.

Registered Retirement Savings Plan (RRSP)

Am RRSP is a legal trust registered with the Canada Revenue Agency and is used to save for retirement. RRSP contributions are tax deductible are not taxed until the money is withdrawn. An RRSP can contain stocks, bonds, mutual funds, GICs, contracts and even mortgage-backed equity.

Tax Free Savings Account (TFSA)

A TFSA is an investment account that does not charge taxes on any contributions, interest earned, dividends or capital gains, and can be withdrawn tax free. Tax-free savings accounts were introduced in Canada in 2009 and currently have a contribution limit of $5,500 per year, which is indexed for subsequent years. The contributions are not tax deductible and any unused room can be carried forward.

Registered Education Savings Plan (RESP)

Registered Education Savings Plans are designed to save for a child’s post-secondary education. Each beneficiary of an RESP must be a Canadian resident and have a Social Insurance Number. The government will also contribute money to the plan for children under 17 years of age as a grant. Saving inside an RESP plan grow tax free. If a child chooses not to further their education, it is possible to transfer the money to another child in the family plan or get back your contributions, however, there may be a fee.

Non Registered Investments

A non-registered investment account enables investors to invest an unlimited amount of money in funds with exposure throughout the world. Non Registered plans are not tax sheltered, Gains and losses are declared each year for income tax purposes.

Make an appointment with one of our Partners 
to find the solutions that meet your objectives.