Our services

Canadian Investor Protection Fund (CIPF)

National Bank Financial Inc. and Ltd are members of the Canadian Investor Protection Fund. CIPF is an organization that provides clients of member institutions with limited asset protection in the case of a member firm’s insolvency. A limit has been placed by CIPF on the coverage provided for a customer’s General Account, and each Separate Account after combination with other Separate Accounts (subject to eligibility) equal to $1 million on assets which may include cash, securities, and certain other investments. For more information, visit www.cipf.ca.

Canadian Investment Regulatory Organization (CIRO)

National Bank Financial, Inc. and Ltd are members of the Canadian Investment Regulatory Organization. CIRO is the national self-regulatory organization which oversees all investment dealers and trading activity on debt and equity marketplaces in Canada. Created in 2008 through the consolidation of the Investment Dealers Association of Canada and Market Regulation Services Inc., CIRO sets high quality regulatory and investment industry standards, protects investors and strengthens market integrity while maintaining efficient and competitive capital markets. To qualify as a member firm, an organization must meet stringent capital requirements, demonstrate an ability and willingness to conduct its business in a manner consistent with the by-laws, rules and regulations of the CIRO, and be subject to ongoing supervision. For more information, visit www.ciro.ca.

Portfolio Managers are known as:

Investment Counsellors, Asset Managers, Investment Managers and Wealth Managers.

Portfolio Managers are firms and people who manage investment portfolios on behalf of private clients, foundations, endowments and pensions.  Portfolio Managers differ from mass-market or retail investment managers because they manage larger amounts of money for fewer clients. 

Fiduciary Responsibility

Portfolio Managers have a fiduciary duty to act with care, honesty and good faith, always in the best interest of their clients.  Investment decisions therefore must be independent and free of bias.  This results in a higher level of trust placed on Portfolio Managers.

Professional Qualifications

As fiduciaries, securities regulation requires the highest level of education and experience as well as an Investment  Policy Statement (IPS) or written agreement.  An individual written agreement will be established to set out how you will work with your Portfolio Manager, including ongoing communication, types of investments, reporting, fees, risks and other issues related to your specific circumstances.

Personalized Management of your Portfolios

Portfolio Managers provide ongoing management of your investments based on your objectives and risk tolerance outlined in you IPS.  You typically give authority to the Portfolio Manager to make investment decisions without prior approval from you for each transaction (referred to as discretionary management).

Fees

Portfolio Managers charge a percentage of the investments they manage.  This fee is transparent and generally much less than retail management and distribution costs which are often embedded as a cost of doing business.  Fees are fully transparent on client statements and typically go down as a percentage of your portfolio as your assets grow.  Fees are not paid by commission based on volume of buying or selling investments and are significantly lower than typical mutual fund fees.

Many individuals and families benefit from a judicious use of insurance products.
A smart insurance strategy and well thought-out estate plan are essential for creating a legacy that will last, for your family and for generations to come.

Our financial planners and wealth advisors, through National Bank Financial, can assist you with finding the right insurance solutions.

We will work with you to create an estate plan that is custom designed to meet the needs of your family, your heirs, your business interests and your philanthropic considerations.

Whether you and your family seek safety and income or higher risk to obtain enhanced returns through more aggressive investments, we can provide you with a wide range of traditional investment offerings traded throughout the world.


National Bank Financial can provide you with access to:

• Equities and preferred share instruments - through commission or fee-based programs
  
• Fixed income and money market instruments - through commission or fee-based programs
  
• Separately Managed Accounts - discretionary investment management solutions
  
• Mutual Funds 
  
• Exchange Traded Funds (ETFs)
• Guaranteed Investment Certificates (GICs)
• Insurance Solutions 
  
  Our financial planners and our full-service wealth advisors are happy to collaborate on your portfolio to give you full access to the right solutions. The choice is yours.

Discretionary Portfolio Management is designed for clients looking for personalized service over their entire account. 

To provide discretionary portfolio management, a wealth advisor must receive portfolio management certification by a recognized regulatory authority.  Qualifications include: 

*  certification as a CIM (Canadian Investment Manager) or CFA (Chartered Financial Analyst)

*  accumulated years of experience as an active registered full-service brokerage representative

Joyce Marbach and Kristen Ricci of Marbach Wealth Management have both achieved the prestigious designation of Portfolio Manager.

With this approach, Joyce and Kristen, as portfolio managers, prepare investment policy statements and construct portfolios based on an in-depth examination of your financial situation and investment needs.  As your Portfolio Managers, they regularly monitor your account ensuring the asset allocation and performance objectives are in line with the original policy statement that was set out. 

Discretionary Portfolios provide the portfolio manager with the latitude needed to manage all of your investments.  You entrust your savings to Joyce and Kristen who make all the necessary decisions involved in the day-to-day management of your portfolio in keeping with your investor profile, restrictions, constraints  and investment objectives. 

Benefits of doing business with a Portfolio Manager

Personalized management and communication

You will enjoy a personalized business relationship, unparalleled portfolio management skills and a better overall client experience due to the benefits of discretionary management.

 A rigorous process that incorporates:

* adherence to your investment policy parameters

* regular monitoring on the relevance of your holdings for your goals

* supervision of the model's relative performance

* compliance with regulatory policies and procedures

The flexibility to quickly adjust your portfolio in keeping with market changes

With financial information circulating faster then ever, managers sometimes need to act quickly.  Due to the discretionary control you grant to the Portfolio Manager immediate changes to a portfolio can be made.

Fees tailored to your portfolio

Portfolio managers are not compensated for the number of trades they execute, but rather for their expertise, sound decision making and the range of services they provide.  Monthly management fees represent a fixed percentage of the value of your portfolio - rising as your assets increase in value and falling should your investments incur a setback.  This fee-based relationship provides the manager the freedom to look after your best interests without having to take transaction costs into consideration.