Top 8 Financial Advisors in Montréal & Ottawa, Canada | 2017 Ranking | Montréal and Ottawa Wealth Management Firms


2017 RANKING & REVIEWS
TOP RANKING FINANCIAL ADVISORS IN MONTREAL AND OTTAWA


Finding the Best Financial Advisors in Montreal & Ottawa, Canada

How much have you really thought about your finances?

Have you reviewed them so carefully that you're convinced you need a financial advisor in Montreal or Ottawa to assist you? Or do you remain skeptical, inclined to believe that your finances are fine or that you don’t need professional help?

Quality financial advice can be an anchor that keeps you on track to meet your future goals. Do you want to retire by the standard age of 65 or sooner? Do you want to buy a vacation home or fund 100% of your child’s education?

If you have even moderately complex financial needs, advice from a trusted financial advisor in Montreal and Ottawa is essential. The markets, job security, life itself – nearly every variable we encounter comes with enough volatility to warrant a solid financial plan.

What's at stake is your future, not to mention your family’s future. That’s not a scare tactic: that’s the truth. Flying solo too often results in a crash and burn later on. Volatility touches everybody at one time or another.

This is why we created this list of the 8 best financial advisors in Montreal and Ottawa. Read on for more of the methodology behind our selection, and then read about the financial advisors in Montréal and Ottawa that meet our stringent criteria.

Award Emblem: Top 8 Financial Advisors in Montreal and Ottawa, Canada



AdvisoryHQ’s List of the Top 8 Best Financial Advisors in Montreal & Ottawa

List is sorted alphabetically (click any of the names below to go directly to the detailed review section for that advisor)

Click here for 2016's Top 8 Financial Advisors in Montreal and Ottawa, Canada


Top 8 Financial Advisors in Montreal & Ottawa, Canada | Brief Comparison

 Financial Advisors in  Montreal and  Ottawa  Highlighted  Features
CNAL Financial Planning Inc.  Estate Planning
Dorchester Wealth Management Open Door  Policy 
Exponent Investment Management The Exponent  Way
Jarislowsky Fraser In-House  Research  Team
Kerr Financial Group Full Service Family Office
Polaris Wealth Asset minimums set by  individual advisors
Ryan Lamontagne Inc. Private Client Service
Tulett, Matthews & Associates Kirkland

Table: Top 8 Financial Advisors in Montreal and Ottawa | Above list is sorted alphabetically



AdvisoryHQ’s Selection Methodology

What methodology does AdvisoryHQ use in selecting and finalizing the credit cards, financial products, firms, services and products that are ranked on its various top rated lists?

Please click here “AdvisoryHQ's Ranking Methodologies” for a detailed review of AdvisoryHQ’s selection methodologies for ranking top rated credit cards, financial accounts, firms, products, and services.


Detailed Review – Top Ranking Financial Advisors in Montreal and Ottawa

Below, please find the detailed review of each firm on our list of the best financial planners in Montreal and Ottawa. We have highlighted some of the factors that allowed these wealth management firms in Montreal and Ottawa to score so high in our selection ranking.

See Also: Best Financial Advisors in Toronto, Canada | Ranking | Toronto Wealth Management Firms



CNAL Financial Planning Inc Review


CNAL Financial Planning is a wealth management firm in Montreal with over 25 years of experience handling the complex and dynamic financial situtaitons of its clients. They provide the traditional services common to most financial advisory firms in Montreal and elsewhere like financial planning, tax planning, and retirement planning. In addition, they offer customized solutions to unique wealth management scenarios. 

CNAL Financial Planning is a fee-only wealth management firm in Montreal.

Image Source: Top Wealth Management Firms in Montreal & Ottawa, CA

Key Factors That Enabled This Firm to Rank as a Top Wealth Management Firm 

Listed below are some features of this firm that we believe make for a quality financial advisor in Montreal.

Financial Planning Services

It's not just about making a fortune – it's about figuring out to hang on to it. There is a huge difference between riches and wealth. The wealthy know how to live comfortably while meeting their financial goals and maintaining their stability. A financial advisory in Montreal can go a long way towards helping an individual or family make their money go the extra mile. 

Proactive financial planning combined with strategic investments can safeguard a fortune and ensure there is a livable amount of money that can be comfortable spent. This Montreal wealth management firm offers the following financial planning services to its clients:

  • Asset allocation analysis
  • Optimization of dividends, capital gains, and interest income
  • Debt management
  • Investment monitoring
  • Pension plan analysis
  • Budget analysis

Estate Planning

If turning riches into wealth takes effort, then you can imagine the amount of work involved in turning wealth into intergenerational wealth. Passing money along is not just about making sure there is enough money for all of your loved ones. If your loved ones are not familiar with the tax implications of inheriting a lot of money or how to navigate tax law, it can be a daunting mental task on top of the emotional stress of losing a loved one. 

Working with a Montreal financial advisor on your estate planning can help you make sure there is a smooth process for your loved ones. This wealth management firm in Montreal can help address the following areas related to estate planning:

  • Review of current wills
  • Will set up
  • Impact of marital regimes
  • Family patrimony issues
  • Use of trusts
  • U.S. tax law exposure

Retirement Planning

What's the point of working so hard when you're young if you can't take it easy once you're old? Not preparing for your older years can mean delaying your retirement and needing to work to support yourself. And if you got used to a certain standard of living while you were young, you'll need to take extra care to prepare yourself financially. 

CNAL Financial Planning is a wealth management firm in Montreal that can help individuals come up with a detailed plan to make sure they have enough money in retirement. The Montreal financial planners at CNAL can help clients in the following areas:

  • Annual income and expense projection
  • Annual net worth projection
  • Calculation of optimal expenses
  • Calculation of required savings
  • Estimate of company pension income
  • Recommendations on how to achieve retirement objectives

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Dorchester Wealth Management Review


Dorchester Wealth Management is an independent Montreal financial advisor that has the distinction of being "one of Canada's original independent investment counselling firms". 

This Montreal financial advisory firm serves individuals, families, and foundations. Its service offerings include retirement planning, estate planning, trusts, endowment funds, and corporate accounts. As of 2017, this wealth management firm in Montreal has approximately $950 million in assets under management. 

Dorchester Wealth Management does not explicitly say on its website whether it is fee only or fee based. We have included them on our list of the best wealth management firms in Montreal due to the services it provides. Individuals interested in learning more about this firm's compensation structure can review the details provided on their site. 

Key Factors That Enabled This Firm to Rank as a Top Wealth Management Firm

Listed below are some features of this firm that we believe make for a quality financial advisor.

Independent & Objective

A big plus on Dorchester’s side is its status as an independent wealth manager in Montreal. It does not assume the role of broker nor does it hold custody of your finances. Its advice remains objective and untainted from outside interests or potential conflict.

Customized Strategies

Dorchester made our list of the best Montreal investment advisory firms because of the time it takes to get to know you. This helps it craft custom financial plans around your personal needs and objectives. Your risk tolerance, tax liabilities, concerns, hopes, and future goals are all factored into the strategy that your Montreal financial advisor at Dorchester presents to you. 

Open Door Policy

Dorchester advisors are extremely flexible in communicating with clients. Whether that involves scheduling an extensive review of your portfolio or taking your call to answer a quick question, your advisor is always available. This means direct contact with your advisor rather than an assistant or middleman.

Long-Term Plan

Dorchester wants to retain you as a client for life. It does several things toward this end.

For one, this Montreal wealth management firm won’t attempt to time the market with your money. This means that while you may not “win big” with a huge windfall, you experience significantly less volatility and greater preserved gains in the over the long term. 

Likewise, it resists the urge to make wholesale changes to your portfolio in order to capitalize on seemingly favourable market conditions. Your  Montreal financial advisor at Dorchester diversifies your assets with the goal of producing the greatest long-term gains.

That Dorchester has been successful in this regard can be seen in the amount of multi-generational clients it has kept on its roster – not to mention its high rate of client retention and personal referrals that it receives.

On top of all this, your Dorchester advisor is more than willing to work with your personal team of consultants and advisors. This goes a long way to coordinating your plan for the long term and improving the odds for reaching all your financial goals on time.

Tenured & Designated

Dorchester boasts low client-to-advisor ratio, a feat it achieves by employing only 9 team members. Combined, this team has over 300 years of experience in successful wealth management.

Not only that, but this Montreal wealth management firm has been certified with an array of professional designations. These designations allow Dorchester advisors to bring a greater level of expertise and training into how it handles your money.

Some of the designations and degrees found among Dorchester team members include:

  • Master of Business Administration (MBA)
  • Certified Investment Manager (CIM)
  • Fellow of the Canadian Securities Institute (FCSI)
  • Chartered Financial Analyst (CFA)
  • Chartered Accountant (CA)

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Exponent Investment Management, Inc. Review


Exponent Investment Management, Inc. is a wealth manager located in Ottawa that serves clients in the Montreal area as well. This Ottawa wealth management firm’s client base consists of professionals, retirees, families, executives, entrepreneurs, endowments, and foundations.

This wealth management firm in Ottawa does not explicitly say that they are fee only. That said, their website explains that they charge a fixed percentage based on a percentage of the client's portfolio. Additionally, these Ottawa financial advisors do not sell products and receive no sales commissions. 

Key Factors That Enabled This Firm to Rank as a Top Wealth Management Firm

Listed below are some features of this firm that we believe make for a quality financial advisor.

The Exponent Way

Dubbed The Exponent Way, this Ottawa wealth management firm's approach centres around tailoring its financial plans to each individual client. Your goals and dreams for your money come first.

To this end, your Exponent advisor does not sell products or earn commission. This guarantees unbiased, objective advice suited to best meet your needs rather than the needs of the firm.

Transparency

One of the things we liked about Exponent is its commitment to transparency. At any time, clients can access their account online and review the progress of their portfolio

In addition to keeping themselves accountable to each client, this approach allows for more effective and streamlined communication. Both client and advisor can begin phone calls, teleconferences, or in-person meetings on the same page with the same information. This avoids confusion and the potential for obfuscation on the part of this Ottawa financial advisory firm.

Tenured

One thing we look for in a financial advisor is experience. Exponent has this in spades. Collectively, its team of financial advisors in Ottawa has amassed over 120 years of industry experience. This means that your money is in expert hands.

Professional Designations

We like when a firm has a team of financial advisors with a wide variety of professional certifications. It demonstrates a commitment to ensuring their firm consists of the best. In addition, professional designations often require updating and continuing education, which means these professionals stay relevant. 

As a result, your Exponent advisor remains abreast of all industry developments, including trends, changes in laws, and best practices.

Some of the designations and degrees found among the Exponent team include the following:

  • Certified Financial Planner (CFP)
  • Chartered Financial Analyst (CFA)
  • Trusts & Estate Planner (TEP)
  • Member, Trust Institute (MTI)
  • Personal Financial Planner (PFP)
  • Chartered Investment Manager (CIM)
  • Master of Business Administration (MBA)
  • Chartered Accountant (CA)
  • Chartered Professional Accountant (CPA)

Portfolio Managers Committed to a Fiduciary Standard

Since Exponent advisors are portfolio managers, they are legally obligated to act in a fiduciary capacity. These financial advisors in Ottawa seek out your best interests rather than the interests of the firm. They do not seek their own bottom line or to make profits ahead of you. They provide unbiased, objective advice designed to help you reach your financial goals.

Custom Plans

Exponent’s approach, when crafting your financial plan, is to factor in all of your needs, goals, and objectives. It does not construct one-size-fits-all plans, preferring instead to learn about you and the intentions you have for your money. You can rest assured that your Exponent advisor will treat your concerns and dreams like their own.

Related: Best Financial Advisors in Vancouver, BC, Canada | Ranking | Vancouver Wealth Managers


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Jarislowsky Fraser Review


Jarislowsky Fraser is an independent, global investment management firm in Montreal that combines high-quality investments with rigorous research. It started out as a boutique resarch firm in 1955. Today, it is responsible for managing the the portfolios of pension funds, endowments, corporations, and individuals in Canada and around the world. It presently has $35 billion CAN in assets under management. 

Jarislowsky Fraser does not say whether it is fee-only or fee-based. We have included them on our list for the range of services they provide, but as always we recommend inquiring about the fee structure before beginning a working relationship.

It is also important to note that this wealth management firm in Montreal offers its own line of mutual funds. This is not a bad thing, but it does mean you should be mindful about what products are recommended and demand thorough explanations for why they are the best product for you. 

Key Factors That Enabled This Firm to Rank as a Top Wealth Management Firm

Listed below are some features of this firm that we believe make for a quality financial advisor.

Discretionary Portfolio Management

This team of Montreal financial advisors and planners can help you put together a portfolio that is unique and customized to your specific goals. This means that the assets within the portfolio can be adjusted for different goals whether its capital preservation or higher yield. These segregated portfolios also allows clients to prohibit certain investments and benefit from a more flexible portfolio that makes it easier to adjust for tax considerations. 

Institutional Management

Jarislowsky Fraser has a long history of helping institutional clients manage and protect their assets. They are not limited to helping Canadian institutions. This wealth management firm in Montreal has helped grow the wealth of institutional clients both at home and abroad. 

At present, this Montreal financial advisory firm manages assets for more than 500 pension funds, universiites, foundations and endowments, and unions and governments. Altogether, this represents approximately $26 billion in institutional assets under management. 

This Montreal wealth management firm also provides guidances when it comes to:

  • Counseling institutional clients
  • Explaining the complexity of an institution's financial obligations and requirements
  • Explaining legal requirements
  • Risk management
  • Performance obligations
  • Governance

Team-Based Approach

This wealth management firm in Montreal does not wait to hear what's good from an external source. They have an in-house research team that conducts extensive analysis on all investments before they are chosen or recommended to a client. They also ensure they are consistent in meeting their firm's standard with the assistance of their central investment oversight body, the Investment Strategy Committee (ISC). 

The Montreal financial advisors at Jarislowsky Fraser are part of a collaborative culture that allows them to work together in order to provide the possible advice for their clients. Within this wealth management firm in Montreal, there are research analysts working with portfolio managers who are in turn working with the ISC.


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Kerr Financial Group Review


Kerr Financial Group is an independent wealth manager in Montreal that started as a family office over 35 years ago, in 1979. This firm's goal is to help individuals take a more business-like approach to their finances, both in terms of strategy and seriousness. 

Kerr Financial is a fee-only wealth management firm in Montreal. 

Key Factors That Enabled This Firm to Rank as a Top Wealth Management Firm

Listed below are some features of this firm that we believe make for a quality financial advisor.

Professional Certifications

The Montreal financial advisors at Kerr handle your money with the most up-to-date knowledge of the industry. This is seen through their various professional designations and the ongoing education required to maintain them.

Some of the designations held among the Kerr team include:

  • Registered Financial Planner (RFP)
  • Certified Financial Planners (CFP)
  • Chartered Accountant (CA)
  • Certified Public Accountant (CPA)
  • Chartered Financial Analyst (CFA)
  • Trust & Estate Practitioners (TEP)

Full-Service Family Office

When you work with Kerr, you’re working with a wealth management firm in Montreal that is dedicated to helping you achieve long-term success. It wants to grow your wealth and preserve your capital, a process that takes time and patience to achieve. They will be by your side throughout the entire process, from start to finish.

Kerr offers Full Service Integrated Planning. By advising you on every facet of your wealth management as your Family Office, this Montreal wealth management firm aims to form a lifelong relationship that transcends generations and allows your family to prosper. 

Their Family Discovery Process helps individuals articulate their family values so that they can take a purposeful approach towards:

  • Integrated Planning
  • Investment Planning & Management
  • Family Governance & Education
  • Family Charitable & Community Involvement Plan
  • Proactive Monitoring & Administration Services

Source: Kerr Financial Group

Independent & Fee-Only

As previously mentioned, Kerr is an independent investment advisory firm in Montreal. It is employee-owned and beholden to no outside interests or management. It is free from quotas or any pressure that might unduly affect its decision-making process as it relates to your portfolio.

A feature of this independent status is Kerr’s ability to operate as a fee-only advisor. It does not earn commission or sell products, avoiding potential conflicts of interest. Instead, it works for your best interests before all else.

Services for Business Owners

In addition to providing comprehensive family office services, this Montreal wealth management firm also provides services for business. They use their years of experience working with business owners to provide customized solutions and protect their personal and business assets.

Kerr Financial Group also helps business owners analyze and manage risk within their enterprise. Some of the specific business services this Montreal financial advisory firm provides include:

  • Succession Planning
  • Transfer of Business Assets
  • Sale of Business
  • Protecting Against Risk
  • Tax Planning
  • Planning and Managing Cash Flow
  • Evaluating Shareholders' Agreements and Funding
  • Owner Manager Renumeration
  • Cost/Benefit Analysis

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Polaris Wealth Review


Polaris Wealth is a wealth management firm in Ottawa. The firm is a division of Polaris Financial, a network of independent financial advisors that offer evidence-based investment advice to clients. 

Polaris focuses on serving high net worth clients from white-collar professions. That said, each advisor is free to set their respective minimum account size.

Polaris Wealth describes itself as a fee-based wealth management firm in Ottawa, but they mention that there are "no commissions for transactions or deferred sales charges". We have included them on this list for the services they provide and their evidence-based approach. You can read specific details about their compensation structure on their website. 

Key Factors That Enabled This Firm to Rank as a Top Wealth Management Firm

Listed below are some features of this firm that we believe make for a quality financial advisor.

Independent Fiduciary

Two things we like about Polaris, which sets it apart from other financial advisory firms in Ottawa, is its independent status and commitment to a fiduciary standard.

As an independent firm, Polaris enjoys ultimate freedom to recommend products and services that put your best interests first. Their highly qualified and credentialed team of Ottawa financial advisors provides evidence-based advice that prioritizes diversification to ensure your wealth can grow while being protected from market volatility.

As a fiduciary, Polaris is legally obligated to work for your bottom line before its own. In essence, it is not successful unless and until you’re successful. 

Team Support

Advisors at Polaris are free to take on clients as they choose. They also have the freedom to set their own account minimums. In this way, Polaris gives their advisors more freedom to oversee their respective accounts than most other investment advisory firms in Montreal and Ottawa area.

More than that, however, is the fact that Polaris advisors utilize the collective expertise of the entire advisory staff. If your advisor runs into a problem – be it an underperforming asset, acute market volatility or other unforeseen issue –they work on the problem with other advisors.

This gives you a greater sense of security knowing potential problems will be dealt with thoroughly and by several qualified financial experts.

Industry-Recognized Designations

Polaris's Ottawa financial advisors bring several industry-recognized designations to the table when crafting your wealth management solutions. These designations allow them to stay current on financial minutia of concern to you, thereby allowing you to save the most money and build a better future.

Some of the designations and degrees found among the Polaris team include the following:

  • Chartered Financial Analyst (CFA)
  • Certified Financial Planner (CFP)
  • Chartered Investment Manager (CIM)
  • Master of Business Administration (MBA)
  • Fellow of the Canadian Securities Institute (FCSI)

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Ryan Lamontagne, Inc. Review


Ryan Lamontagne, Inc. is a financial advisor in Ottawa that was founded in 1994. This wealth management firm in Ottawa works with business owners, professionals, and retirees to come up with comprehensive financial planning and asset management solutions to meet their goals. 

Ryan Lamontagne, Inc calls itself a fee-based firm on their website, however, the compensation structure they outline and their reference to the "fee-only" advantage demonstrates to us that they are a fee-only wealth management firm in Ottawa. 

Key Factors That Enabled This Firm to Rank as a Top Wealth Management Firm

Listed below are some features of this firm that we believe make for a quality financial advisor.

Long-Term Integration

This Ottawa wealth management firm is focused on the long term and they demonstrate this by integrating all of your relevant financial needs into one exhaustive financial plan

This includes helping you with issues that you might not have to deal with until later down the road, such as retirement planning, education funding, and even estate and wealth transfer.

This is not to say that your Lamontagne advisor won’t help you hit your short-term goals as well. To the contrary, its advisors are dedicated to assisting you with all facets of your financial life. Whether for a few years or a few decades, Lamontagne advisors stick with you till the end.

Customized to You

Another thing we liked about Lamontagne is its personal approach when building client portfolios. It does not force you into its preferred mould but, instead, takes the time to get to know you and your unique circumstances.

In this way, it can craft the most comprehensive financial plan that maximizes your chances for success.

Private Client Service

This wealth management firm in Ottawa offers what is known as Private Client Service, and it is their flagship financial planning offering. It combines financial planning with tax advisory services to ensure that clients are receiving comprehensive help that includes:

  • Financial planning and counselling
  • Investment advisory services
  • Plan implementation
  • Ongoing review

It operates as a life plan by effectively allowing both the client and their Ottawa financial advisor to see the big picture and properly plan for it. The firm offers a great analogy for how this plan operates. Imagine your doctor, dentist, and chiropractor worked under one roof. While they are certainly competent as individuals, you are likely to enjoy better health care with all of them working together to provide comprehensive care. 

This is the idea behind this Ottawa wealth management firm's Private Client Service. They have specialists from all areas related to your financial planning providing you, the client, with a one-stop shop for all of your financial advisory needs. 

Flexible Fee Structure

Lamontagne advisors offer an initial consultation for free. This helps determine whether you and Ryan Lamontagne, Inc. are a good fit.

Assuming you mesh well together, Lamontagne charges you according to your specific situation and the complexity of your financial needs. In this way, you’re not charged extra for a service that only minimally applies to you.

Lamontagne offers the following fee options:

  • Hourly fees
  • Set fee for a specific engagement
  • Yearly retainer fees
  • Percentage of assets under management (AUM)

Professionally Designated

While a small firm, compared to many of the other financial advisors on our list, Ryan Lamontagne, Inc. nevertheless has proven itself committed to staying abreast of developments within the financial services industry.

One way it has done this is by assembling a staff with leading industry designations. These designations hone each Ottawa financial advisor’s level of expertise, guaranteeing that they are providing the best service to you.

Not only that, but many of these designations require ongoing education to maintain. As a result, your Lamontagne advisor serves you better by staying well-trained and well-educated year after year.

Some of the professional designations and degrees found among the Lamontagne team include:

  • Certified Financial Planner (CFP)
  • Registered Financial Planner (RFP)
  • Chartered Investment Manager (CIM)
  • Master of Business Administration (MBA)
  • Chartered Professional Accountant (CPA)

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Tulett, Matthews & Associates Review


Tulett, Matthews & Associates (referred to in this article as TMA) is a Montreal financial advisor located in the suburb of Kirkland. 

High net-worth individuals make up the core of this Montreal wealth management firm's clientele. This consists primarily of white-collar professionals, retirees or pre-retirees and their families, and entrepreneurs or emerging affluent individuals.

Tulett, Matthews & Associates does not clearly state on their website whether they are fee-only or fee-based. In the blurb on their home page "Fiduciary Duty To All Our Clients" they do say that they receive a percentage of assets under management as compensation and do not accept any other sources of renumeration.

As always, we advise readers to verify a firm compensation structure before starting a working relationship. 

Key Factors That Enabled This Firm to Rank as a Top Wealth Management Firm

Listed below are some features of this firm that we believe make for a quality financial advisor.

Independent Firm with a Fiduciary Standard

TMA contrasts its modus operandi against what it calls the “Murky Ocean.”

The Murky Ocean is a “(personal investing) environment (that) is…chaotic and confusing,” but one nevertheless supported by the majority of financial advisors in the industry.

The below graph demonstrates how the Murky Ocean atmosphere frustrates your desire for clear, conflict-free investment management and financial planning. 

Tulett, Matthews & Associates Murky Oceans-min

Source: Tulett, Matthews & Associates

We agree that the industry is flooded with advisors who elevate their own bottom line instead of focusing on the goals of the client. When this happens, you wind up paying more money in fees, commissions, and unnecessary products or services, to name a few.

Add to that the increased possibility that your investments aren’t calibrated to your needs, and you can lose quite a bit of time and money when all is said and done.

This is why we prefer to recommend financial advisors that hold themselves to a fiduciary standard. This includes TMA, a firm legally obliged to providing only unbiased financial advice.

Fees for investment management are assigned as a percentage of assets under management (AUM). This is billed in arrears on a monthly basis. Accounting costs are in the form of flat fees communicated upfront.

Furthermore, TMA is a completely independent wealth management firm in Montreal. It is not aligned with any outside organization or beholden to third-party interests. TMA’s services are designed to align with your best interests.

(For more, read its pop-up statement under “How we work with you > Fiduciary Duty to All Our Clients” on its home page.)

Individual Plans

The advisors at TMA know that your situation isn’t the same as another client’s situation. Even in the highly improbable case that your finances are identical to those of another investor, you will still have varying goals and objectives with your money.

With this in mind, your TMA advisor won’t squeeze you into a one-size-fits-all plan. Your TMA financial advisor in Montreal will take time to get to know you and your situation. 

From there, your advisor crafts a plan that is individualized to you. All your concerns and goals are included, and your advisor moves forward with the plan once you are comfortable with the proposed course of action. 

Long-Term Partnership

There are several means by which TMA evidences a strong desire to keep you as a partner for life. These include:

  • Building a plan that addresses short-, medium-, and long-term goals
  • Incorporating passively-managed asset classes into your investment portfolio, thereby giving you minimized risk on maximum, long-term returns
  • Rebalancing your portfolio to keep you on track for medium- and long-term objectives
  • Refusal to engage in market timing or speculation, securing your finances for years to come
  • Reducing account-related costs, including transaction fees and taxes

Array of Designations

TMA advisors sport a number of professional designations. Most designations require recertification through continuing education, thus ensuring that the designee’s advice remains qualified and relevant.

The designations and degrees represented on TMA’s team include:

  • Master of Business Administration (MBA)
  • Chartered Accountant (CA)
  • Chartered Investment Manager (CIM)
  • Institute quebecoise de planification financiere (F.Pl.)
  • Registered Financial Planner (RFP)
  • Certified Financial Planner (CFP)
  • Chartered Financial Analyst (CFA)

Conclusion – Top 8 Financial Advisors in Montreal & Ottawa, Canada

As the Nortel pension debacle clearly demonstrates nothing is guaranteed. Your job and its pension could be lost in a series of unfortunate events. 

You want to protect you and your family against such dangers as much as possible. You want to diversify your assets broadly and globally to ensure the best and most secure mix of assets that can make up for specific failures.

You want a financial roadmap that accounts for all of your needs and goals. You don’t want to leave anything to chance. You want to see your dreams become a reality.

And, perhaps most importantly, you want a safety net for your children and, hopefully, their children, too. Your biggest aim is to support and secure your family for multiple generations to come, long after your wealth has been transferred.

Due to the concerns you harbour for your loved ones and your future, you owe it to them to review our list of financial advisors in Montreal and Ottawa. Even if you opt to forego these specific firms, you’ll come away with a better understanding of what makes a trustworthy, unbiased advisor.

And that information will serve you well as you get started on your path to financial freedom.



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