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No, there’s no cost for an initial meeting. We believe it’s important to understand your financial goals and assess how we can best support you without any obligation. This complimentary meeting allows us to discuss your needs, answer your questions, and determine if we are the right fit for each other.
Ultimately, our goal is to provide you with valuable insights and a clear understanding of how we can help you achieve your financial aspirations, all at no initial cost to you.
Our minimum investment threshold is designed with your best interests in mind. By setting this threshold, we can dedicate the time and resources needed to offer you personalized investment strategies that align with your financial goals and risk tolerance. This ensures that we can closely monitor your portfolio’s performance and provide you with regular, detailed updates and insights.
Ultimately, this means you receive a higher level of service and a more tailored approach to managing your wealth. If our minimum threshold doesn’t fit your current situation, we’re happy to recommend other advisors who may better meet your needs.
Over the past 25 years, we’ve completed thousands of financial plans for clients. This extensive experience means we have the expertise to craft a plan that’s tailored to your unique financial goals.
Our team consists of Certified Financial Planners (CFP®) and Chartered Investment Managers (CIM®). This means you’ll be working with highly qualified professionals who adhere to rigorous standards and are committed to your financial success.
Yes, we have agents licensed with top insurance firms in Canada, and estate planning is available to all clients as a pillar of comprehensive wealth management. This ensures that every aspect of your financial future is well-protected and strategically planned.
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.
No, we suggest you use a specialist for these tasks. This allows us to focus on our strengths in retirement planning, tax planning and investment management, ensuring you receive the best possible advice in these areas.
We complement your accountant’s services by providing specialized expertise in investment management and retirement planning. While most accountants focus on the current year’s tax return, we take a forward-looking approach to set you up for future tax efficiency. This partnership ensures that all aspects of your financial life are well-coordinated and optimized for your benefit.
We believe in a more nuanced approach that combines a passive philosophy with active implementation to deliver superior results. This strategy aims to provide you with the best of both worlds for optimal financial growth.
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.
Information on CIPF coverage & limits can be found here: About CIPF Coverage
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, ensuring your savings start from the first dollar as your account grows. The fees are as follows:
Your prosperity directly correlates with ours, reinforcing our commitment to your financial success.
Your fees cover everything we do for you as financial planners. This includes your retirement plan, tax plan, investment plan, and more. 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.
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.
Trans Canada Wealth Management operates as a wealth management practice, utilizing Harbourfront Wealth Management as its dealer. Harbourfront provides essential infrastructure and support services, allowing us to focus on delivering personalized financial advice to you.
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.
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.
The process of moving your investment portfolio to us is straightforward. We will gather some financial information and open any necessary investment accounts. Once the accounts are open, we will send a transfer request on your behalf to the financial institution currently holding your portfolio. We’ll move your investments over in-kind (as is), meaning you’ll remain invested during the entire process. This won’t trigger any taxes or affect your contribution limits. If your previous institution charges transfer fees, we’ll be happy to reimburse those for 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.
