Looking for a 50% return on your investment in a year? Well then prepare yourself for the possibility that investment could drop 50% over the same period. Everyone wants great returns, but we believe that not everyone needs high-risk investments to make their dreams a reality. We believe in Smart Investing.

Smart Investing starts with a Quality Financial Plan

Each of our clients have different goals, needs and timing for when they may need their money. In our opinion, it doesn't make sense to have one standard portfolio for all of our clients.

Instead, we begin our investment discussion by referring to the Quality Plan and the rate of return the plan indicates we would need in order to achieve a certain goal. We discuss each individual’s feeling surrounding risk, and then look at the time table for achieving a goal. We then make customized portfolios which achieve each individual’s goal in a tax-effective, risk-minimizing way. By ensuring that we answer the question “Why?” before we answer the question “How?” we ensure that our clients are in appropriate investments for them.

Smart Investing is Risk-Adjusted

Have you ever looked at your statement and noticed that some of your investments have dramatically outperformed other investments? When we come across these situations, we have to use the old adage “compare apples to apples” when trying to determine if the underperforming investment is a bad investment, or just waiting for its chance to shine in different market conditions.

Have you ever heard a friend of yours say “my investments went up over 25% last year”? Well, in a good market, that is a great return, and the your friend should be excited about their investments. But let’s review the chart to the right, which demonstrates how different investments have under/overperformed over the last 10 years .

Depending on the type of investment and where you were invested in the world, returns in any year on average can vary wildly. What was good last year may not be good this year. The same applies to comparing “higher risk” investments to “lower risk” investments. This means that you need the best risk-adjusted return for the investment that you are not only comfortable with, but also you require in order to reach your goal, as your Quality Financial Plan indicates.

When you hear someone talk about how good their investment has performed, always ask yourself “Is this investment appropriate for me and would it fit into my long-term plan?” Trevor has access to any stock, mutual fund, segregated fund, ETF and derivative that is publically traded. The investment market has become extremely commoditized, which means that you need to make good investment decisions based on your risk-adjusted needs. Not on an investment which happened to be the best investment in prior years. 

Smart Investing is Getting what you Paid for

If you were to get sick, critically sick, would you be willing to pay the best doctor to consult with you? What about pay them to do surgery on you? This is a question which has become a hot topic in Canada as people argue for and against private medical offices. The main reason many people consider this to be a bad thing is that only the wealthy can afford the best sort of treatment.

Not surprisingly, most people consider the most important things in their life to be their health, their family and their money. It is curious then why people would be willing to pay more to see the best medical practitioner, but consider “lowest fees” to be a reason to work with an advisor or purchase a particular investment. We believe in charging people fees that are fair and reasonable when it comes to our compensation. When we look at investments for our clients and ourselves, we look at the returns after fees. This means we look at investments to perform consistently well, given their level of risk and the fees they may charge. Great investment managers aren’t just for the very wealthy; we can help you pick the best investment that suits your short and long-term needs.

Canada usually ranks around 16th in total yearly Gross Domestic Product (GDP) when compared to the rest of the world, so it is important to be invested in areas outside of Canada. We don’t actively follow the Chinese, Japanese or German stock markets. In order to do the due diligence required to make informed decisions in these countries you would need to understand their laws, reporting standards and economic data in great depth. Oh, and you would need to speak the language. We depend on international teams of experts to help us invest in these areas, and pay them in order to do so. 



We believe that our primary role is to ensure that our clients achieve their goals with the least amount of risk. Clients who choose to invest in any market should be aware of risks associated with the investment, including, but not limited to: market risk, interest rate risk, default risk, inflation risk, company-specific risk, and liquidity risk.



If you are concerned that your performance isn’t where you would like it to be, or if you are worried that your investments may not fit the risk you are willing to take on. Please give us a call at (403) 220-9808 or email us.