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Investment services provided through Aligned Capital Partners Inc., member of CIRO and CIPF.
Investments
Institutional Discipline, Built for Your Family
We bring the process of large institutional investors to private family portfolios: clear objectives, diversification across public and private markets, and rebalancing by rule. Investment services are provided through Aligned Capital Partners Inc.
Philosophy
Think Like an Institution. Act for a Family.
Pension plans and endowments don't rely on stocks and bonds alone. They spread risk across many sources of return, including private markets, and they rebalance when it feels hardest. We adapt that approach to your family's goals, taxes and time horizon.
Illustrative. Actual allocations depend on your goals, income needs and risk profile.
The Building Blocks
Individual Stocks
Companies we know well and can explain, held directly. You see exactly what you own, and we control when gains and losses are realized across your accounts.
ETFs
Low-cost, broad exposure to markets, regions and sectors, used alongside individual stocks to keep the equity portfolio diversified.
Mutual Funds
Actively managed funds for markets or mandates where an experienced external manager adds value we can't replicate with direct holdings.
Fixed Income and Reserve
Bonds and short-term holdings that provide income, steady the portfolio and fund planned spending.
Alternative Investments
Beyond Traditional Stocks and Bonds
Alternatives give portfolios access to approaches a traditional long-only portfolio can't use. We add them selectively, to broaden diversification, reach different sources of return and depend less on the direction of stock and bond markets.
Liquid Alternatives and Hedge Funds
Strategies run by external managers that can profit from more than rising markets.
- Long/short equity
- Market-neutral strategies
- Absolute-return mandates
- Alternative income
- Tactical opportunities
Private Markets
Investments outside public exchanges, held for the long term.
- Private credit
- Private equity
- Real estate
- Infrastructure
- Other specialized mandates
Alternative investments carry different risks from traditional investments, may be less liquid and are not suitable for everyone. Hedge funds and many private-market investments are limited to accredited investors. We review eligibility, liquidity needs and risk before recommending them.
How We Choose Investments
- 1
Quality First
For companies: strong balance sheets and durable earnings. For alternative investments: experienced managers with a disciplined process.
- 2
Price and Cost Discipline
We pay attention to valuation when buying stocks and to fees when choosing ETFs, mutual funds and alternative investments, because both come out of your return.
- 3
Limits and Review
Position and asset-class limits keep any one idea from dominating, and every holding is reviewed regularly with a clear reason to keep or sell it.
The Discipline Around It
Clear Objectives
We agree on your goals, risk tolerance, income needs and any restrictions up front, measure every decision against them, and revisit them as your life changes.
Rebalancing by Rule
When markets push your mix away from target, we bring it back, adding to what has fallen and trimming what has run.
Tax-Aware Account Structure
We decide which holdings sit in RRSPs, TFSAs, non-registered accounts and your corporation, so more of the return stays with you.
Corporate Accounts
Holding-company portfolios built with the corporate tax rules on passive income and dividends in mind.
Clear Reporting
Regular reports across every account, showing what you own, how it has done and what you pay.
Want a Second Opinion on Your Portfolio?
We'll review what you own, how much of it overlaps, what you pay in fund and advisory fees, and how it fits your plan, then give you a clear written summary.