Our services: wealth management, portfolio management and more

Our expertise is second to none. We will give you peace of mind with our comprehensive financial planning platform, personalized solutions and exceptional service.

Wealth Management Process

Jeff specializes in preserving capital and providing growth, while generating income as needed.

Managing your wealth with confidence requires a relationship built on trust, expertise, experience and a thorough understanding of your needs. Together, we can determine how best to:

Protect your lifestyle
Help your family
Plan for retirement
Achieve financial comfort
Create a legacy

Portfolio Management

Portfolio management consists in investing your assets in a way that seeks to grow your financial wealth over time, or to reach specific financial objectives in order to carry out future projects. It can be done over different time horizons and must take into account your cash flow needs and the tax impact of your decisions.

Financial Planning

Good financial planning includes a comprehensive and objective analysis of your financial situation* as well as an action plan and recommendations that can help you enhance your wealth and achieve a certain level of financial independence.

Tax Planning

Capital gains and investment income are taxed differently depending on the investment product you use. With good planning, you can ensure you choose investment vehicles that reflect your tax situation so that you can grow your wealth more efficiently. Your advisor can refer you to a professionnal.

Estate Planning

To ensure that your wishes are respected, it is crucial to have an estate plan and an up-to-date will. Your advisor can refer you to professionals you can trust to establish an effective estate strategy.

Banking Solutions

National Bank Financial – Wealth Management wealth advisors have access to the complete line of National Bank’s banking solutions. Whether you’re looking for a solution for your everyday transactions, your financing needs or any other particular need you may have, we can help.

Insurance Products

It is crucial to see to your financial security and that of your family today in order to avoid financial problems in the event of death, illness or disability later on. To ensure that you have the right coverage, your advisor will guide you to an expert who will help define your needs by assessing in your potential risks.

Carpe Diem

Portfolio Manager Commentary as of December 31, 2022

Happy 2023, we hope you had a wonderful and healthy year and were able to spend some quality time with family and friends!

2022 was a challenging year for global markets and the Carpe Diem portfolio performed similarly in-line with the benchmarks.

Looking ahead the global economy will likely have a mild recession. Investors will be paying close attention to the inflation reports to see when the central banks will stop raising interest rates. This pause should improve consumer sentiment as investors re-focus on corporate earnings growth.

We envision a continuing rotation from growth to value, with a preferred focus on free cash flow and dividend payers. The key is to stay diversified across asset classes and patient investors should take advantage of equity market pullbacks to dollar cost average into the high quality companies of the Carpe Diem basket.

20 blue-chip North American companies and 3 ETFs
Asset Allocation 40% Canada / 57% U.S. / 3% Foreign
Preference for dividend payers and growers: portfolio's current dividend yield 2.70%
Inception Date & Value, August 1 2018 $50,007
December 31, 2022 Value $73,187

Stock Allocation

Energy 10.1% Technology 23.8%

Communication Services 6.6% Consumer Discretionary 8.6%

Utilities 2.9% Consumer Staples 12.1%

Real Estate 4.6% Health Care 7.0%

Financials 19.9% Others 4.4%

Time-weighted gross portfolio Performance

Since Inception

3 Months 1 Year 2 year 3 year 4 year Aug. 1 2018

Carpe Diem Portfolio

6.15% -9.45% 3.94% 7.45% 12.01% 9.17%

Benchmark: 50%S&P/TSX TR + 50% S&P TR