Security. Clarity. Confidence.
Our Wealth Management Services
$5.4B in assets under management
99% client retention rate
4/5 new clients are referrals
Beyond Stocks and Bonds
To minimize the inevitable ups and downs that come with a reliance on the stock market, our conservative yet innovative approach to investing includes additional alternative asset classes such as private equity, mortgages, private debt, and institutional-grade real estate.
- Private Debt
- Private Equity
- Hard Asset Real Estate
- Commercial Mortgages
Private DebtIs private debt such as mezzanine financing part of your asset allocation? Learn More
Private EquityDoes your portfolio have access to non-market-correlated private investments, including private business and infrastructure? Learn More
Hard Asset Real EstateAre Canadian and U.S. investment-grade commercial properties part of your portfolio? Learn More
Commercial MortgagesDoes your portfolio include private assets such as commercial mortgages? Learn More
Publicly Traded EquitiesTraditional asset classes usually make up 100% of a typical portfolio. At NWM, we have a complete range of stocks and bonds, but they comprise less than 50%. Learn More
Publicly Traded BondsTraditional asset classes usually make up 100% of a typical portfolio. At NWM, we have a complete range of stocks and bonds, but they comprise less than 50%. Learn More
Typical asset allocation is 60% stocks and 40% bonds. Diversified asset allocation may include ranges of 15-20% real estate, 10-15% mortgages, 8-15% private equity and private debt.
Integrated Planning for All Aspects of Your Financial Life
Our first task is to ensure that we understand your personal and financial objectives; then we create a sophisticated financial plan that integrates everything from tax planning and risk management to your investment portfolio and estate wishes.
- Retirement Modeling
- Tax Strategies
- Estate Planning
- Charitable Giving
- Wealth Transfer
- Business Succession
Historically Consistent & Stable Returns
NWM vs The Marketplace
A Track Record of Stability
Through two major market downturns, NWM has kept clients safely on track to reach their financial objectives through our conservative, yet innovative approach to investment management.
The 2001 Dot Com Bust
When the Tech Bubble burst, NWM’s diversified cash flow approach eased volatility, mitigating losses versus the public markets and helping investors recover sooner, allowing clients to accelerate their wealth building.
The 2008 Sub-Prime Crash
While 2008’s financial crisis sent public markets tumbling, NWM’s extensive diversification buoyed our clients’ portfolios, protected the downside, and participated in the recovery from a stronger position.
$1-million invested with NWM since January 1, 2000 would have grown to $3.36-million versus $2.21-million for a typical balanced portfolio (Morningstar Canadian Neutral Balanced).
Over that same period, NWM’S Composite Return has been 7.14% vs. 4.16% for the typical balanced portfolio.
The typical balanced portfolio is represented by the Morningstar Canadian Neutral Balanced Fund. The composite returns represent the total returns of fee-paying portfolios with a Nicola Wealth Management Core investment mandate. Performance calculations are net of fees and are presented before tax but after the deduction of custody fees. Composite returns represent past performance and are not to be used as an indication of future results; returns are calculated as found here. Additional information regarding policies for valuing accounts and calculating performance are available upon request.