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Our Approach

NWM’s values and philosophy are the cornerstones of our approach to integrated wealth management.

Add a little bit of improvement every year to what you've built as a base - with solid foundations and the right principles, the compound effect is amazing

John Nicola, Chariman & CEO

Values

  • Trust & Transparency

    Our fee-based services are designed with our client's best interests in mind.

  • Investing Beside You

    NWM invests alongside our clients in all the investment opportunities we recommend.

  • Communication & Reporting

    Your advisor is always available, ready to help and keep you informed.

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    Innovation & Performance

    The desire to constantly improve and seek new opportunities for our clients is ingrained in our culture.

Our Fiduciary Duty

At Nicola Wealth Management, we hold ourselves accountable to the highest standard of a fiduciary – one who is entrusted to manage and protect our clients’ investments and best interests.

We place our clients’ interests above our own, dealing fairly, honestly, and in good faith.  Our advisors our bound to it through the CIM and CFA designation codes of conduct and our firm adheres to it as part of the B.C. Securities Act.

When all is said and done, however, it goes beyond any legal or moral obligation – it’s simply the right thing to do.

Investment Philosophy

We moved beyond the traditional approach by taking into account all aspects of your financial picture and examinig how they work together to reduce tax and increase investment returns.

Beyond Stocks and Bonds

Our institutional approach to investing offers a broad range of diversifed investments that generate stable cash flow with less volatility than a typical "stocks and bonds" portfolio.

Cash Flow Investing

Our investment philosophy doesn’t rely solely on price appreciation. Cash flow investing delivers accelerated wealth building while assuring flexibility to rebalance, protection from market volatility, and peace of mind that you’re earning a sustainable income.

Broad Asset Allocation

Typical asset allocation is often defined as a portfolio with 60% in equities and 40% in bonds, and further diversified by industry, sector or geography. In our view, however, most investors are not truly diversified with this typical model. Our broader approach includes investment-grade hard asset real estate, private equity, private debt, commercial mortgages, and other alternative strategies.

Integrated Planning

Proper wealth planning begins with understanding your current situation, identifying your goals and objectives, and developing a road map for the future to be revisited regularly and adjusted as needed.

Step 1

Create the Profile
  • Net Worth
  • Current Situation
  • Goals & Objectives
  • Income Needs
  • Financial Structure
    (personal, family, corporate, etc.)

Step 2

Craft the Plan
  • Retirement Planning
  • Tax Planning
  • Investment Management
  • Insurance Planning
  • Business Planning
  • Charitable Giving
  • Estate Planning

Step 3

Implement, Review, Adjust
  • Implement Strategies
  • Measure & Monitor
  • Make Necessary Adjustments

Performance and Reporting

Our unique suite of consolidated reports and statements offers the transparency and detail that are integral to helping clients understand their financial performance.

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    Rate of Return Statements

    Does your current statement distinguish between deposits and actual investment return?

    Our quarterly report features easy-to-understand performance summaries and consolidated rate of return figures, net of fees.

  • Cash Flow Statements

    Do you receive reports that explain how much cash is generated by your portfolio after all fees?

    A detailed account of the income being produced by your investment portfolio, both historically and projected.

  • Fiscal Report Statements

    Do you receive reporting detailed enough to assist your accountant with tax filing?

    A unique-to-the-industry fiscal report designed to facilitate efficient tax reporting for you and your accountant.

Fee-Based Compensation

As a fee-based private wealth management firm, the value we offer entails more than just investment advice. Our advice is a result of deep relationships, holistic planning, and our commitment to a high level of service. We focus on providing a superior wealth management experience by creating a sophisticated plan that brings all the disparate parts of your financial life together.

Investment Management Fees

We offer completely fee-based accounts using the following schedule:

Assets Under $20 million

  • 1.25% on the first $1-million
  • 1.00% on the next $1-million
  • 0.75% on the next $2-million
  • 0.50% on amounts over $4-million

 

Assets Over $20 million

  • On the first $20 million 0.50%
  • On the next $20 million 0.45%
  • On the next $20 million 0.40%
  • Balance above $60 million 0.35%

In addition to the administrative fee paid by each NWM fund to cover fund operating expenses, the funds also pay the fund manager a management fee. Our LP’s pay all operating expenses directly, and pay the manager a fee. The general partner and manager of SPIRE LP / US LP / Value Add are owned in part by NWM, which receives income from these holdings.

We receive industry-mandated compensation from insurance carriers when implementing risk management strategies.

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