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Nicola Wealth Management is more than a traditional financial planning firm.  We are also more than a conventional money manager.  What makes Nicola Wealth unique is our ability to excel at both disciplines, as well as innovate upon them.

Our Philosophy

Relying on price appreciation and staying exposed to equity markets — no matter what sector — is simply asking to ride the roller coaster of stock market volatility.  Our investment portfolios use both cash flow and broad asset allocation to provide stability, increase long-term risk-adjusted returns, and build wealth.

Cash Flow Investing

Our investment philosophy doesn’t rely solely on the price appreciation of assets. We aren’t focused on whether a stock moves up or down. We focus on the income – the cash flow – generated by each investment, because a steady and reliable income from assets effectively reduces risk.

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Broad Asset Allocation

Traditional asset allocation is often 60% equities and 40% bonds.  In this scenario, ‘diversification' means owning various kinds of equities and bonds (usually a combination of Canadian and global investments). In our view, however, most investors aren’t truly diversified if their portfolio is limited to this typical model.

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Financial planning, portfolio management & asset monitoring all under one roof 

  1. Our clients have a plan in place that truly understands their investment needs.
  2. We stay current with the markets to determine the right asset mix and find the best balance of sectors in which to invest.
  3. We complete our due diligence on each security or fund to determine if it is a good investment.

We integrate your investment strategy with your wealth plan by improving the overall tax efficiency of your portfolio.  Careful attention is paid to the types of investments held in each account; for example, ensuring that fixed-income investments are saved in registered accounts.

In-House Portfolio Management

When it comes to investing, traditional financial planners are often limited to mutual fund investments.  Conventional stock brokers have access to individual securities, but usually have a narrow universe of stocks and bonds to choose from.

Nicola Wealth Management has an in-house investment portfolio management team registered with the BC Securities Commission that works closely with our advisors and builds investment portfolios for each and every client.