Investment Planning

We value openness and honestly. That’s why our fees are fully transparent and easy to understand—simply put, we charge a percentage of the assets we manage for you. Fees could be tax deductible in a non-registered account. We also offer a fee reduction as your assets grow, and we take all of your family’s assets into consideration.

Ensuring the security of your assets is a priority for us. Here's what you need to know:

PEAK Securities Inc., as a member of the Canadian Investment Regulatory Organization (CIRO), is subject to rigorous oversight by provincial securities commissions through regular independent audits conducted by external auditors and regulatory examiners.

PEAK Securities Inc. is a member of the Canadian Investor Protection Fund (CIPF) which safeguards your assets in the event of the broker's insolvency. To learn more: CIPF

TD Canada Trust serves as the trustee for all registered plans with PEAK Securities Inc. Consequently, all funds entrusted to PEAK for a registered plan are directly deposited with the trustee to facilitate transaction settlements.

PricewaterhouseCoopers (PwC), an independent firm, conducts an annual audit of PEAK Securities' books and records.

Guaranteed Investment Certificates (GICs) are insured by the Canada Deposit Insurance Corporation (CDIC). For further details: CDIC

Certainly. You will benefit from reassuring professional guidance, enabling you to make sound financial decisions and, most importantly, avoid costly mistakes. An experienced advisor acts as the conductor of your finances, focusing on three key areas to optimize your outcome:

Portfolio Construction: asset allocation, rebalancing, tax efficiency, fee management;

Behavioral Coaching: managing financial behaviors, establishing trust and peace of mind, maintaining a long-term perspective;

Wealth Management: implementing comprehensive planning covering investments, retirement, mortgages, insurance and estate planning;

All of this adds real value that more than compensate for the fees.

Research by Claude Montmarquette and Alexandre Prud’Homme, CIRANO (2020) shows that working with an advisor over time can create
2.3 x more wealth: Value of advice.

Asset allocation plays a significant role in the long-term performance of portfolios. Asset allocation refers to the distribution of portfolio investments across various asset classes, such as stocks, bonds, cash, real estate and other securities.
The strategic mix of assets determines how your investments are diversified across different asset classes, playing a pivotal role in managing risk, reduces the risk of total loss of capital, enhancing potential returns, and aligning your overall portfolio with your unique financial goals and risk tolerance.
In essence, strategic asset allocation empowers you to navigate the complexities of the financial landscape and position your investments for long-term success.