Core practice
Portfolio Management
Building a portfolio is easy. Building one that walks alongside you for 25 years through every cycle, rebalances automatically, optimizes for tax, and doesn't make you panic in March 2020 — that's our craft.
What we cover
Quantified decisions, not generalities.
- Advisory or discretionary mandates per your preference
- Target allocation aligned with horizon and risk tolerance
- Automatic rebalancing with tax optimization
- Transparent quarterly reporting — performance and fees
- Access to ETFs, individual stocks, bonds, private funds
Our investment philosophy is conservative — not in the timid sense, but in the disciplined sense. Rigorous diversification across asset classes, geographies, risk factors. Cost discipline. Systematic rebalancing. No concentrated bets. No exotic products without a clear thesis.
The result: less outperformance in bull markets, but materially more protection in drawdowns. Over 20 years, that asymmetric protection is what makes the difference — not the home runs.
Questions
What our clients ask us
Advisory or discretionary — which to choose?
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Advisory: we recommend, you approve every trade. Discretionary: we execute against a pre-signed policy — more efficient for rebalancing and tax-loss harvesting. Most clients start advisory and migrate to discretionary after 12-24 months.
What is bucket-by-horizon allocation and why use it in retirement?
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Three buckets by horizon: 0-3 years in cash and short bonds, 3-10 years in stable dividend portfolios, 10+ years in growth/equities. If markets fall, you draw from the stable buckets and let growth recover.
What is an alternative investment and why include it in a retirement portfolio?
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Anything that isn't listed equity or traditional fixed income: real estate, infrastructure, private debt, private equity. Pension funds favour them because they boost average income while reducing volatility — exactly what a retiree needs to ride out a downturn without touching capital.
Related services
Fee-Based Self-Directed Accounts
You've been managing your own investments for years — perhaps successfully. But you want professional input, rigorous tax planning, and access to the same tools used by major institutions — without giving up control. Our fee-based self-directed accounts are built for you.
Learn moreIntegrated Tax Planning
Tax isn't an annual inevitability — it's a variable you can steer. Income splitting, strategic deferral, registered-account optimization, decumulation planning: each lever can mean tens of thousands of dollars over a decade.
Learn moreExecutive & Professional Retirement — Ages 55 to 65
You're a senior executive, incorporated professional, or director within 5-10 years of retirement. The challenge isn't accumulating any more — it's turning what you've built into durable, tax-smart income that doesn't depend on short-term markets.
Learn moreReady to talk through your situation?
A first meeting, with no obligation and no fee. In person in greater Montréal and Québec City, by video call, or by phone.
Book a consultation