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Full-Service & Comprehensive Planning

We are a full-service wealth planning firm that offers a sophisticated combination of diligent financial planning and multifaceted portfolio management, providing high-net worth individuals with the comprehensive financial services and absolute after-tax returns they seek.

Our more sophisticated approach means we work closely with your other advisors, including your accountant and lawyer, to co-ordinate and ensure that everyone is on the same page, working together to help you achieve your financial goals.

Financial Advisor Report Card

Search CriteriaInvestment Brokerage FirmsPrivate Banking FirmsIndependent AdvisorNicola Wealth Management
Is comprehensive, integrated financial planning offered?
No

Not usually, but some brokers offer planning services
Maybe

In some cases, but not standardized
Maybe

It depends on the individual advisor; many independent advisors focus mainly on money management and do not look at the broader financial picture.
Yes

We complete an initial comprehensive written financial plan which is updated annually or sooner.
Is integrated tax planning offered?
No

No
Maybe

Not internally, but they may refer clients to outside specialists
Maybe

Not usually, but some advisors will offer this or refer some of their clients to outside specialists
Yes

This is a significant focus of our planning report and is integrated with outside specialists
Is compensation for financial planning and investment advice unbiased?
Maybe

Most brokerage firms are transaction and commission based, which is a biased system; some advisors and brokerage firms may use fee-based or wrap account products which might be unbiased
Maybe

Generally fee-based, but investments may lean towards the bank's own product offering, so this is biased
Maybe

Depends if the advisor is compensated through selling product (biased) or if they are fee-based
Yes

We are 100% fee-based advisory firm; any embedded commisions from 3rd-party investment product manufacturers are rebated to clients to reduce fees
Is direct real estate investing offered?
No

Direct ownership real estate investing is not offered
No

Direct ownership real estate investing is not offered
No

Occasionally, the odd independent advisor who is involved in real estate may offer direct real estate investing to clients, but through a commission
Yes

Direct ownership of commercial-grade real estate (such as shopping centers) is offered to clients; the investment is fee based, so the fee is the same as any other investment
Is there access to private investment opportunities not available to the general public?
Maybe

They are generally limited to IPOs which are mostly publicly available anyway
No

No
No

At times, some advisors may offer clients private investment opportunities by introducing them to promoters, but tends to be the extent; comprehensive due diligence would likely not be carried out on the investment
Yes

We source private investment opportunities for our clients where we carry out our own comprehensive due diligence; like all our investments, these private offerings are fee based as well
Is creative & innovative insurance planning offered?
Maybe

Some investment brokers may offer insurance planning, but the creativity of this planning will be limited if they are not doing fully integrated financial planning for their clients
Maybe

While virtually all private banking firms will do insurance planning, the extent of the creativity will depend on whether or not the financial planning being done is fully integrated and comprehensive
Maybe

Independent advisors who focus on money management may not concentrate much on insurance planning; advisors who do comprehensive planning work for their clients should be able to utilize innovative and creative insurance planning
Yes

Creative and innovative insurance planning is how we reduce the insurance costs for our clients while also using insurance as a tool to dramatically increase after-tax portfolio returns

Our wealth management services include:

  • Retirement Planning
  • Investment Strategy
  • Portfolio Management
  • Tax Planning
  • Estate Planning
  • Risk Management
  • Insurance Planning
  • Business Planning
  • Liquidity Event Planning
  • Charitable Giving