Bernard Financial Group

Our portfolio management is based on three objectives:

-Continuous risk management

-A 1st quartile return for our portfolios

-High ESG scores

We manage our portfolio models based on the best practices of portfolio management in the world; that of large institutional investors. By integrating a diversity of alternative assets into the construction of our portfolios, we ensure a reduction in the inevitable risks of the financial markets while remaining focused on high and sustained performance. Our process of finding the best investment ideas is continuous and rigorous. The result is the selection of fund managers with some of the highest performance in the industry. Finally, we are aware that responsible investment is synonymous with well-managed companies whose long-term vision is oriented towards sustainable development. As a result, we are paying increasing attention to ESG principles in our selected funds.

The sum of these elements results in successful portfolios, focused on the future while having a lower risk coefficient.

Like most Canadians, you realize the importance of structuring your plan. You know you need a clear picture of your financial situation, but where do you start?

We can provide you with these answers and help you build a personalized plan. We understand that you want to enjoy the moment, while ensuring that you achieve your financial goals. Our proactive approach will let you know where you stand.

Planning the distribution of your wealth is essential so that your assets are transferred effectively to your beneficiaries and according to your wishes.

We can help you establish a comprehensive estate plan to preserve your wealth for future generations. We work closely with estate planning professionals. They will assist you in developing an estate plan adapted to your needs and wishes, including your protection in anticipation of a possible incapacity and your end-of-life guidelines.

Taxes are a must in the management of your wealth.

In harmony with your accountant/tax specialist, we are able to assist you in the optimization of your tax situation. While some of our investment solutions are dedicated to generating a superior after-tax return, our proactive interactions will make it possible to manage as adequately as possible the use of the registered plans at your disposal (TFSA, RRSPs, spousal RRSPs, etc.).

Finally, our financial planning process will also be able to identify the paths at your disposal to free up the maximum amount of money for your heirs.

The causes that are important to you are possibly numerous. How can we ensure that we optimize our impact on society in line with our own values?

The Philantra Foundation will allow you to orchestrate, in a turnkey service, your philanthropic process.

Let us accompany you in this process.

We have a wealth management banking offer adapted to our clients. The latter gives, among other things, access to advantageous financing solutions.

The strategic use of financing solutions can play an important role in the realization of your projects. It is a useful alternative to increase your income, preserve your wealth or optimize your cash flow.

Whatever your projects or ambitions, our team of bankers will discuss your needs in order to offer you optimal credit solutions.

Insurance is much more than just protection against an accident with your vehicle or against an unforeseen event at your home. Insurance plays a valuable role in protecting, growing and transferring your wealth.

With our team of insurance specialists, we are able to help you build a legacy by offering efficient tax strategies in line with your goals and overall planning. Contact us now to make an appointment with our team.