You want to preserve your capital or establish a source of periodic income for ongoing expenses. You are willing to give up the long-term return potential of equities, in exchange for higher levels of short-term stability.
Solutions designed to meet your needs
We use asset allocation as the foundation for our portfolio management approach. This involves allocating our clients' portfolios among the primary asset classes; equities, fixed income and cash equivalents, aligning their portfolios with their objectives and time horizon. Our investment philosopy is to seek reasonable levels of long-term returns while minimizing risk and volatility. In other words, strong risk-adjusted returns are most important to us.
Simplifying your life
Simplifying your life
The core of our service offering is discretionary portfolio management. This process involves the generation of an Investment Policy Statement, outlining the needs/objectives of each client, the asset mix ranges that will be employed to manage their portfolio and any special considerations that may apply, such as their ongoing income needs. A sampling of the portfolio mandates employed is shown in the graphic below.
Our commitment to you
We consider it an honour to assist our valued clients with their personalized wealth management needs. We take this responsibility seriously and we are committed to a quality client experience.
- We are always available to meet with you, in person, and via telephone or video conference
- We utilize internal and external partners in financial planning, estate planning, insurance, and accounting, to ensure that you receive the highest quality of advice possible.
- We never hide fees and don't charge you extra to talk to us.
- We are responsive and always call you back.
About our portfolios
You can tolerate limited volatility to ensure that your assets will grow, but you prefer to focus on stability. You may have ongoing income needs from your portfolio.
You give equal weight to income and capital growth. You can tolerate moderate volatility to ensure the growth of your capital, but you prefer to the balance provided by exposure to fixed-income securities alongside your equity holdings.
Your main goal is long-term capital growth. Although you can tolerate greater volatility in order to increase the value of your assets over time, you are not prepared to invest your entire portfolio in stocks.
You want to maximize the eventual return on your capital by investing all or most of your portfolio in the stock market. In doing so, you accept higher volatility of your investment returns in the hope that these returns will ultimately be higher.
Portfolio Management
- Have a qualified professional manage your investment portfolio.
- Strike a balance between risk and reward.
- Enjoy a flexible solution that stays true to your goals.
Main benefits
- Have a clear plan to achieve your goals.
- Be able to react to the unexpected.
- Achieve the maximum benefits of diversification.
Financial Planning
- A document outlining your short- and long-term financial goals and the strategies you will use to reach them.
- The plan reflects your personal and family situation, your risk tolerance and future expectations, and includes effective tax strategies.
Main benefits
- Your finances will be in good hands.
- You will enjoy greater peace of mind.
- You will be able to prioritize your projects and make informed decisions.
These services are offered by third party specialists.¹
Estate Planning
- Document how you want your assets to be distributed after your death.
- Prevent any misunderstandings among your heirs.
- Plan for any situation.
Main benefits
- You will be protected in case of incapacity.
- Your assets will be transferred without conflict.
- Your wishes will be respected.
- You will minimize the tax burden on your estate.
These services are offered by third party specialists.²
Tax Planning
- It is the development of financial strategies to reduce the impact of taxes on your investments.
- Proposing customized recommendations based on an analysis of your situation and your portfolio.
- It's about doing more with the same money by optimizing your portfolio.
Main benefits
- More money to invest or spend.
- More freedom to achieve your goals.
- Make tax-efficient investments.
These services are offered by third party specialists.²
Insurance
- These solutions will ensure your family's financial future should anything happen to you.
- They serve as a cushion to protect you from the unexpected.
- They will help keep your family's plans on track.
Main benefits
- Enjoy a safety net, even if you are not working.
- Transfer your assets and protect your legacy.
- Have peace of mind so you can be at ease.
These services are offered by third party collaborators.³
Banking Solutions
As a National Bank Financial—Wealth Management client, you can take
care of all your banking in one place:
- Everyday transactions
- Financing
- Specific needs
Main benefits
- Savings on certain banking solutions.
- Healthcare and legal virtual assistance services.
- Competitive interest rates.
Philanthropy
Do you want to give back to the community? Let our team guide you in
designing a philanthropic plan.
- Setting up a foundation
- Distribution of donations
- Bequests in a will
- Financial Planners are authorized to act in the field of
Financial Planning. They exercise their duties for National Bank
Financial Inc., a financial planning firm.
- We
work closely with the Taxation, Retirement and Estate Planning Team
from National Bank Trust, made up of multidisciplinary experts who
provide knowledge and advice that complement our service offering.
These experts assist us in providing the best solutions for your
personal finances related to taxation, retirement and estate
planning.
- Insurance products and services are
provided by National Bank Insurance Firm (NBIF) or by NBF Financial
Services (NBFFS), as applicable. NBIF and NBFFS are not members of
Canadian Investor Protection Fund (CIPF). Insurance products are not
protected by CIPF.
- Financing solutions are
subject to credit approval by National bank.
- For details and conditions of the offer, please contact your advisor.
