Investments can play a key role in your financial security plan. For individuals, a mix of registered and non-registered savings, income and pension plans can help achieve short- and long-term goals. For employee groups, we can offer advice on 401k allocations and strategies.

We believe that a diversified portfolio of investments is the key to accomplishing your goals.  But one size does not fit all! Each person and their goals are different and requires a customized set of investments.  Diversification is important, but diversification must also mean across different sources of income, whether that be your stock or mutual fund portfolio, income from businesses, and real estate. 

We see your financial future holistically across all these potential sources of income to help find investments that not only fit your goals, but also your passions.

Active vs. Passive Investment Funds


Active Managed Funds

Actively managed mutual funds involve a selection of stocks determined by a portfolio manager.  This portfolio manager chooses the investments inside the fund based on the goals set for the mutual fund itself.  Typically, fund managers do in depth analysis of different stocks to maximize return and to beat a market based benchmark.

Managers analyze the market in different ways.  They can analyze trends in the economy to determine likely areas in the economy that will grow.  This allows them to pick companies in industries or sectors that have a high chance for growth based on overall economic trends.  They can also look for the best performing companies in any industry since a well run company in any industry should do well.  

One must keep in mind that the fund manager does not bring his expertise and knowledge to the fund for free.  They are paid a fee to manage these funds.  As such, this cost is passed on to you as the investor.  These are illustrated in the expense ratio charged for these funds.  Depending on the fund and share class, you may pay an up front sales charge and/or a back end expense charge.  These fees reduce the performance of the mutual fund and must be paid whether the fund does well or not.


Passive Managed Funds

This is typically seen in indexed funds.  Like an active managed fund, there is a fund manager who helps to determine the funds that make up the mutual fund portfolio.  However, the funds are typically selected to replicate the performance of a stock market index, such as the S&P 500.  The philosophy for these types of funds is that since it is typically hard to consistently beat the market benchmark, instead just replicate the market benchmark and lower the fees charged.

These funds typically have much lower fees so that the impact of these fees on the fund performance is smaller than active managed funds.  These funds still have the same risk as active managed funds based on market performance, but just have a different philosophy as to how to invest.

Contact Us to see if these are appropriate for your portfolio or to have one of our licensed representatives  see if what you have fits with your goals.

Real Estate

Real Estate can be a very powerful tool for investing.  Unlike the stock market, real estate has been a very consistent class of investments as people will always need physical spaces either to reside in or to conduct business operations.  Most real estate can be broken down into two categories: Residential and Commercial.


Residential real estate encompasses single family homes, duplexes, and apartment complexes. Anywhere a person resides at is considered residential real estate.  Many people invest and buy these properties for different sources of income, whether that is capital appreciation, or an increase in the value of a property, or for cash flow from the renting of such properties.  The needs for these types of income depend on your goals of long term growth or current income. An experienced realtor that specializes in investment properties is key in finding properties that best fit your goals. 


Commercial real estate encompasses anything from retail space, office spaces, warehouses, and industrial or manufacturing spaces.  Any place where an aspect of business is done is considered commercial real estate.  From an investor standpoint, much of this property is used for long term cash flow since these spaces are leased for long term contracts from as low as one year up to ten years.  This allows a much more consistent cash flow as you know how long tenants will stay and the terms of their agreement to do so.  These properties are typically more expensive than residential real estate, but this is offset by the higher cash flow from these investments

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