Frequently Asked Questions

The One Retirement Process

Is there a cost for an initial meeting?

No, there is no cost for an initial meeting. We are pleased to address any questions you may have.

Why is your minimum portfolio size $500,000?

Our minimum portfolio size ensures that we can offer the highest level of service and expertise to our clients.

It allows us to craft personalized investment strategies tailored to each client’s financial aspirations and risk comfort, ensuring continuous monitoring of portfolio performance and consistent communication about investments.

If our minimum account size isn’t suitable for you, we’re happy to suggest other advisors who might align better with your needs.

How many financial plans have you written?

Over the past 25 years, we’ve completed thousands of financial plans for clients.

What designations do you have?

Our team consists of Certified Financial Planners (CFP®) and Chartered Investment Managers (CIM®).

Do you provide life insurance and estate planning?

Yes, we have agents licensed with the top insurance firms in Canada, and estate planning is available to all clients as it is a pillar of comprehensive wealth management.

    • Insurance products are sold via Harbourfront Estate Planning Services INC., are not under the jurisdiction of CIRO and do not qualify for CIPF coverage. Contact your advisor for more information
Do you do tax returns or wills?

No, we suggest you use a specialist to complete these tasks.

My accountant helps me with my finances; how do you fit in?

We complement the services provided by your accountant by offering specialized expertise in investment management and financial planning.


I’ve heard a lot about passive vs active – which one are you?

We believe in a more nuanced approach that combines a passive philosophy with active implementation to deliver superior results.

I’d like to move my investment portfolio to you. What’s the process?

The process of moving your investment portfolio to us is straightforward. We will gather some financial information and open any investment accounts that are needed. Once the accounts are open, we will send a transfer request on your behalf to the financial institution that currently holds your portfolio.  


We’ll move your investment over in-kind (as is), which means you’ll remain invested during the whole process. This won’t trigger any taxes or affect your contribution limits. Your previous institution may charge transfer fees, but we’ll be happy to reimburse those for you.

Is my money safe?

Our client assets are held with NBIN, a division of National Bank Financial, providing security and peace of mind. We are also a member of the Canadian Investor Protection Fund, ensuring automatic coverage for our clients.


We are also a member of the Canadian Investor Protection Fund, information on CIPF coverage & limits can be found here: About CIPF Coverage

Advisory Fees

What are your fees?

Our fee structure is based on a percentage of the investments we oversee and is directly deducted from the account. Our fees are not tiered, unlike other firms. Your savings being from the first dollar as your account grows. Fees are as follows:

      • 1.65% for portfolios $500,000 to $1,000,000
      • 1.25% for portfolios $1,000,000 to $3,000,000
      • 1.00% for portfolios $3,000,000 to $5,000,000
      • 0.75% for portfolios $5,000,000 to $10,000,000
      • 0.50% for portfolios over $10,000,000

Your prosperity directly correlates with ours, reinforcing our commitment to your financial success.

What services do I receive for the fees I’m paying?

Your fees cover everything we do for you as financial planners. This includes things like your retirement plan, tax plan, investment plan, etc. You won’t be charged an extra fee for any type of advice; it’s all included in the fee you pay for investing with us.

Is there a fee to transfer my investment portfolio to you?

We do not charge a fee for transferring your investment portfolio to us.

If your previous firm charges a transfer-out fee, we will reimburse you upon presentation of the statement showing the fee paid.

Is your fee tax deductible?

Asset management fees are charged on an account basis.

Fees paid in non-registered accounts are tax-deductible according to CRA guidelines, while fees in registered accounts such as RRSPs and TFSAs are not.

About Trans Canada

Why should I trust you with my life savings?

Trust is paramount in any long-term relationship. We would be happy to explain our credentials, experience, and approach to investing and planning.

References and testimonials from satisfied clients are also available upon request.

What is Trans Canada Wealth Management’s relationship with Harbourfront Wealth Management?

Trans Canada Wealth Management operates as a wealth management practice, utilizing Harbourfront Wealth Management as its dealer.

Harbourfront provides essential infrastructure and support services, while we focus on delivering personalized financial advice to our clients.

Where are you based out of?

We’re based out of Winnipeg, Manitoba.

However, we work with clients coast to coast, hence our name – Trans Canada Wealth Management.

We’re happy to help you via video conferencing if you’re not from the area.

Who are your clients?

We work with individuals and families over the age of 50 who want to delegate their retirement planning and investment needs on an ongoing basis.

Additionally, some advisors on our team possess specialized knowledge in farm and business transitioning, as well as expertise in insurance and estate planning.