Low-cost, fiduciary portfolios across your RRSP, TFSA, RESP and non-registered accounts — managed with Canadian tax in mind, and aware of the cross-border details most advisors miss.
Most Canadians are sold investments — a bank’s in-house funds, a high-fee product, an advisor paid by commission. We do the opposite. As a fee-only, fiduciary firm, we’re paid only by you, so the portfolio is built around your plan instead of someone else’s quota.
That means low-cost, globally diversified portfolios, managed with Canadian tax front of mind: the right holdings in the right accounts, capital gains and dividends handled deliberately, and withdrawals sequenced to keep more of what you earn. RRSP, TFSA, RESP, FHSA, RRIF, non-registered — coordinated as one household, not six silos.
And because so many Canadians have a U.S. thread — American citizenship, U.S. holdings, or a move on the horizon — we build with the cross-border details in view: U.S. withholding tax, the PFIC rules, the TFSA trap. For households living fully between the two countries, our cross-border investment management goes a layer deeper.
RRSP, TFSA, RESP, FHSA, RRIF and non-registered — each has a job. We put the right holdings in the right account so tax doesn’t quietly erode your returns.
Asset location, capital-gains timing, dividend treatment, and withdrawal sequencing — managed across your whole household, not one account at a time.
U.S. withholding tax inside an RRSP, the PFIC rules that punish the wrong funds, and the TFSA trap for U.S. citizens — handled, not discovered later.
No commissions, no product shelf, no deferred sales charges. We’re paid by you, so the portfolio is built for you — not for a bank’s quota.
Globally diversified portfolios built on low-cost funds and discipline — not stock tips, market timing, or the high-fee products Canadians are so often sold.
Your investments answer to your financial plan — risk, time horizon, and goals — rather than the other way around.
Tell us a little about your situation and we’ll point you to the accounts that usually fit best — and flag the cross-border details to watch. An educational starting point, not investment or tax advice.
Educational only — general guidance on account types, not investment, tax, or legal advice. The right mix depends on your full situation, contribution room, and the year’s rules, which is what a conversation is for.