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WE BELIEVE THAT THE BASIS OF EFFECTIVE PORTFOLIO MANAGEMENT IS A CLOSE AND TRUSTING RELATIONSHIP BETWEEN OUR CLIENTS AND OURSELVES.
By fully understanding our clients' personal and financial situations, their projects and their financial objectives, our managers are able to establish appropriate investment strategies.
Our corporate structure eliminates intermediaries between clients and their portfolio managers. The close relationship this creates helps us better advise our clients and manage their portfolios in a flexible, individualized manner. As such, our clients not only profit from our team’s competencies, but from the constant involvement of an expert in their portfolio as well.
A BESPOKE PORTFOLIO
An indispensable tool for effective portfolio management is the investment policy, which establishes the investor profile by taking into account revenue sources, financial objectives and risk tolerance. Once the policy has been established, we build the portfolio with quality securities and an appropriate asset allocation between fixed income and equity as per the investor profile.
We review client portfolios on a regular basis to ensure we are aligned with the established objectives for current income and asset allocation. Whenever one of our client’s situation changes, we readjust the portfolio and profile.
CLOSE CONTACT WITH CLIENTS
We are always available to our clients to keep them informed of the evolution of their portfolio. We meet all our clients annually for a portfolio review, and provide them with the following:
- A monthly statement of the portfolio and transactions issued by the fiduciary;
- A detailed quarterly portfolio statement;
- A semi-annual performance summary, or as needed;
- Income tax slips issued by the fiduciary;
- Occasional newsletter and/or e-mail covering current events;
- 24/7 access to the fiduciary website to view account;
- Articles on subjects of interest, if enrolled in the press-review service.
Furthermore, our managers are available at all time to answer questions and requests.
A SPIRIT OF COLLABORATION
The relationship of mutual trust we establish with our clients encompasses their planners, accountants, tax specialists and other external advisors, with whom we will gladly collaborate on all wealth management matters.
We create a separate account for each client rather than centralizing assets in a common fund. This allows us to provide custom, transparent and secure portfolio management that is also fiscally more effective.
Moreover, in order to ensure the fullest protection, our clients’ assets are placed in trust in Canada's largest brokerage firms (mainly RBC Dominion Securities, and a National Bank subsidiary: NBIN). Allard, Allard & Associés does not collect deposits, never issues checks and doesn't transfer funds. All movement of capital is executed between the fiduciary and the client – we act merely as an intermediary.