Bernard Financial Group

Let's make your biggest ambitions a reality

We help different types of clients achieve their financial goals and have in-depth expertise in foundations and NPOs as well as owners and officers of companies. Our rigorous supervision is focused on safety, innovation and results.

Innovative portfolio management

Over the past 25 years, interest rates have been falling steadily, which is now causing much more difficult market conditions than before. As a result, portfolio management’s best practices have adjusted to this new investment dynamic.

In search of performance, security and resilience, the world's largest institutions have, in recent years, reduced their allocations to equities and bonds in favor of alternative assets that are less or non-correlated to traditional markets. These include private debt, real estate, infrastructure, precious metals and structured products. Our constant search for optimization has led us to integrate a similar approach for our customers.

Has your investment strategy recently been adjusted to this new reality?

Source: Alternative investments in modern portfolios, Blackrock

Traditional investments and alternatives investments

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Integrated Wealth Management

A wheel representing the seven fields of expertise in wealth management.

These services are offered by third party specialists.1, 2, 3

Our portfolio management is based on three objectives:

-Continuous risk management

-A 1st quartile return for our portfolios

-High ESG scores

We manage our portfolio models based on the best practices of portfolio management in the world; that of large institutional investors. By integrating a diversity of alternative assets into the construction of our portfolios, we ensure a reduction in the inevitable risks of the financial markets while remaining focused on high and sustained performance. Our process of finding the best investment ideas is continuous and rigorous. The result is the selection of fund managers with some of the highest performance in the industry. Finally, we are aware that responsible investment is synonymous with well-managed companies whose long-term vision is oriented towards sustainable development. As a result, we are paying increasing attention to ESG principles in our selected funds.

The sum of these elements results in successful portfolios, focused on the future while having a lower risk coefficient.

Like most Canadians, you realize the importance of structuring your plan. You know you need a clear picture of your financial situation, but where do you start?

We can provide you with these answers and help you build a personalized plan. We understand that you want to enjoy the moment, while ensuring that you achieve your financial goals. Our proactive approach will let you know where you stand.

Planning the distribution of your wealth is essential so that your assets are transferred effectively to your beneficiaries and according to your wishes.

We can help you establish a comprehensive estate plan to preserve your wealth for future generations. We work closely with estate planning professionals. They will assist you in developing an estate plan adapted to your needs and wishes, including your protection in anticipation of a possible incapacity and your end-of-life guidelines.

Taxes are a must in the management of your wealth.

In harmony with your accountant/tax specialist, we are able to assist you in the optimization of your tax situation. While some of our investment solutions are dedicated to generating a superior after-tax return, our proactive interactions will make it possible to manage as adequately as possible the use of the registered plans at your disposal (TFSA, RRSPs, spousal RRSPs, etc.).

Finally, our financial planning process will also be able to identify the paths at your disposal to free up the maximum amount of money for your heirs.

We have a wealth management banking offer adapted to our clients. The latter gives, among other things, access to advantageous financing solutions.

The strategic use of financing solutions can play an important role in the realization of your projects. It is a useful alternative to increase your income, preserve your wealth or optimize your cash flow.

Whatever your projects or ambitions, our team of bankers will discuss your needs in order to offer you optimal credit solutions.

Insurance is much more than just protection against an accident with your vehicle or against an unforeseen event at your home. Insurance plays a valuable role in protecting, growing and transferring your wealth.

With our team of insurance specialists, we are able to help you build a legacy by offering efficient tax strategies in line with your goals and overall planning. Contact us now to make an appointment with our team.

"I have recently retired and Jean Philippe, with his team, has shown a lot of proactivity in his support to enlighten me on my financial planning. His sound advice also allowed me to optimize my tax planning by reducing my taxes while respecting the tax laws. Finally, his regular communications and diversified portfolio management confirm to me that my wealth is in good hands."

- L. Cardinal

"As a growing charity, our challenges are significant. Thanks to his well-adapted service offer for NPOs, Jean Philippe and his team have been able to give us the necessary tools to improve governance in the management of our assets while providing us with valuable operational leverage with the management of our securities donations."

- S. Bourbonniere, Executive Director, Fondation le Chainon

Financial Planners are authorized to act in the field of Financial Planning. They exercise their duties for National Bank Financial Inc., a financial planning firm.
We work closely with the Taxation, Retirement and Estate Planning Team from National Bank Trust, made up of multidisciplinary experts who provide knowledge and advice that complement our service offering. These experts assist us in providing the best solutions for your personal finances related to taxation, retirement and estate planning.
Insurance products and services are provided by National Bank Insurance Firm (NBIF) or by NBF Financial Services (NBFFS), as applicable. NBIF and NBFFS are not members of Canadian Investor Protection Fund (CIPF). Insurance products are not protected by CIPF.
Financing solutions are subject to credit approval by National bank.
For details and conditions of the offer, please contact your advisor.