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The Best of Both Worlds

Full-Service Wealth Management  ●  Online Wealth Management

Which is Right for You?


FULL SERVICE WEALTH MANAGEMENT

If you have at least $500,000 to invest and prefer your dedicated advisor to take care of everything for you, this is for you. Sit back and let us take care of it all.  

ONLINE WEALTH MANAGEMENT

If you have at least $10,000 to invest and are willing to interact with us via our online platform, this is for you. You have online access to a portfolio manager anytime you need.

Full Service Wealth Management

Your dedicated advisor becomes your personal asset quarterback and works closely with you to ensure that all your financial needs are met. We take care of it all:

  • Investment portfolios
  • Tax-efficient investing
  • Life and disability insurance 
  • Financial planning 
  • Tax preparation
  • Estate management



Contact us for a free consultation

Online Wealth Management

You work with us via our online platform at a fraction of the typical cost. You maintain online access to a dedicated portfolio manager whenever needed. We provide you with:

  • Investment portfolios
  • Tax-efficient investing
  • Life and disability insurance 

Depending on the level of assets you invest with us we provide you with referrals to trusted external advisors, or provide the services ourselves:

  • Financial planning
  • Tax preparation
  • Estate management

Register & Get Started Online


Full Service Wealth Management

Knowing your finances are being handled by full-time professionals will reduce anxiety and provide peace of mind. If you have at least $500,000 to invest and prefer your dedicated advisor to take care of everything for you, this option is for you. Sit back and let us take care of it all.

We seek client relationships based on mutual respect. We want you to enjoy working with us, and we want to feel the same way about serving your interests. All our relationships are built on an unshakeable foundation of objectivity, full transparency, integrity and trust.

Your dedicated advisor will be on call for you 7 days a week. They will provide the following services:

Investment Portfolio:

  • We manage your entire investment portfolio and ensure you have a strategy that is tailored to your unique circumstance.

Tax-efficient Investing:

  • We ensure your accounts are constructed to be as tax-efficient as possible.

Life and Disability Insurance:

  • We work with you to ensure you have the appropriate life and disability coverage in place.

Financial Planning:

  • We provide comprehensive financial plans to ensure you have the correct savings or income strategies in place. 

Tax Preparation:

  • We coordinate the preparation of your tax return with your tax professional. If you need a referral to a tax professional, we coordinate this with you and ensure your tax returns are filed on time and accurately.   

Estate Planning/Will Review Service:

  • We work with your existing estate attorney or provide a referral to one of our external partners to ensure you have an estate plan, and that your Wills and Powers of Attorney are in place.

Regular Review Meetings:

  • We provide face-to-face portfolio reviews as frequently as you prefer; however we insist on meeting with you at least once per year to ensure your plan is on track.

Contact us for a free consultation


Online Wealth Management


Register & Get Started

You work with us via our online platform at a fraction of the typical cost. You maintain online access to a dedicated portfolio manager whenever needed. If this is of interest and you have at least $10,000 to invest, this option is for you. 

We provide you with:

  • Investment portfolios
  • Tax-efficient Investing
  • Life and disability insurance 

Depending on the level of assets you invest with us, we provide you with referrals to trusted external advisors, or provide the services ourselves:

  • Financial planning
  • Tax preparation
  • Estate management

The process is simple


Number OneRegister


Click the Get Started button to register and create the perfect investment strategy for your goals.

Number TwoSpeak or video-chat with a Portfolio Manager


Speak with a portfolio manager via video-chat or telephone to finalize your investment plan.

Number ThreeChoose Additional Services


If you need other wealth management services, you pay only for what you use.



Register & Get Started

About Polaris

Polaris was founded in 2008 as an independent full-service wealth management company for high net worth clients. Traditionally, under our full-service model, we work face-to-face with our clients providing one-on-one personalized service. Today, Polaris Wealth also offers online wealth management services for clients who prefer to interact with us via our online portal at a lower fee. Polaris Financial Inc. is registered as a Portfolio Manager whose principal regulator is the Ontario Securities Commission. You can check our registration here.

We are also registered with the Financial Services Regulatory Authority of Ontario (FSRA) as a provider of life and disability products for clients.



Us

We are a Fiduciary

A fiduciary is a person or organization that is required to work in the best interest of their client. A fiduciary is legally required to to put the interests of their client ahead of their own.

Surprisingly, very few financial advisors or their firms are held to a fiduciary standard. 

Polaris Wealth is among a small number of financial advisors who act as fiduciaries in all our client relationships. This means we are legally required to place your interests above our own. 

This standard of care also requires skill, competence, trust, confidentiality and loyalty.

Custodians

Polaris Wealth does not hold client assets or property. Instead, we have chosen two custodians to act as gatekeepers for client assets: Virtual Brokers (VB), a division of BBS Securities Inc., and National Bank Independent Network (NBIN). 

Virtual Brokers is the custodian we use for our online wealth management service. Full-service clients have the choice of either Virtual Brokers or NBIN; however, those choosing NBIN will be subject to additional custodial fees of approximately 0.15%. Contact your advisor for more details.

Our custodians provide Canadian Investor Protection Fund (CIPF) coverage and are responsible for ensuring the safety of our client assets. Clients accounts are held directly with the custodian of their choice and Polaris Wealth has authorization to effect trades in their accounts and charge a management fee. Polaris Wealth has no other authority over the accounts.

The custodian is responsible for:

  • ensuring the safety of client assets
  • providing monthly statements
  • providing year-end tax reporting
  • providing online access to client accounts


Virtual Brokers, a division of BBS Securities Inc.

https://www.virtualbrokers.com

Virtual Brokers has been ranked the #1 On-line Broker by the Globe and Mail five times. Virtual Brokers (“VB”) is a division of BBS Securities Inc. BBS is Canadian-owned and operated, and is registered in all provinces and territories of Canada as an Investment Dealer. BBS is a member of the Investment Industry Regulatory Organization of Canada (IIROC) and the Canadian Investor Protection Fund (CIPF). BBS Securities Inc. is a wholly owned subsidiary of CI Financial Corp. CI Financial is an independent Canadian company offering global asset management and wealth management advisory services, with approximately $181 billion in assets as of October 31, 2017. VB provides an additional $10 million in insurance coverage.

National Bank Independent Network (NBIN)

https://www.nbin.ca/publicsite/index.html

Backed by the strength of National Bank, National Bank Independent Network has been a premier choice among introducing brokers and portfolio managers for over 20 years. With over 25 years of continuous service and a team of more than 200 professionals, National Bank Independent Network is one of Canada’s leading providers of custody, trade execution and brokerage solutions to independent Portfolio Managers and Investment Dealers. Today, they serve over 400 independent firms and custody over $180 billion in assets.

Your Money

We have decades of experience managing money. We will invest yours carefully, cautiously and prudently. We take no more risk than you need and we strive to ensure you’re compensated for the risk you take. According to Morningstar, the fees mutual funds charge (called “Management Expense Ratios” or “MERs”) are “the most important predictor of future fund returns.” We agree.

We use low management fee, tax-efficient mutual funds from Dimensional Fund Advisors (DFA) Canada and broad market exchange-traded funds (ETFs) from Vanguard and iShares. We do not accept “trailer fees” from mutual funds. We always use the lower fee (F-class) mutual funds, which don’t pay these fees.

We adhere to an “evidence-based” investment approach. That means we focus on what we can control:

  • Keeping fees and costs low
  • Deferring or eliminating taxes
  • Globally diversifying your portfolio
  • Providing you with the option to tilt your portfolio towards factors that correlate with higher expected returns over the long term
  • An appropriate asset allocation (the division of your portfolio between stocks, bonds, and cash), based on your ability, willingness, and need to take risk


FOR MORE INFORMATION ABOUT DIMENSIONAL’S INVESTMENT PHILOSOPHY, PLEASE SEE THIS BROCHURE AND VIEW THESE BRIEF VIDEOS.


Tuning out the noise



DFA Power of Markets

Resources

Our partners have been carefully chosen for their professionalism and experience. Click the following links to learn more about them:

Here are some resources you may find helpful

Larry Swedroe - Your Complete Guide to Factor-Based Investing

Larry Swedroe
Your Complete Guide to Factor-Based Investing: The Way Smart Money Invests Today
Larry Swedroe - The Quest for Alpha

Larry Swedroe
The Quest for Alpha:
The Holy Grail of Investing
Keith Matthews - The Empowered Investor

Keith Matthews
The Empowered Investor, Your
Guide to Becoming Financially Secure Forever
Burton Malkiel-A Random Walk Down Wall Street

Burton Malkiel
A Random Walk Down Wall Street:
The Time-Tested Strategy for Successful Investing (2020 edition)
William J. Bernstein - Four Pillars of Investing

William J. Bernstein
Four Pillars of Investing
John Bogle-The Little Book of Common Sense

John Bogle
The Little Book of Common Sense
Investing: The Only Way to Guarantee
Your Fair Share of Stock Market Returns

Pricing


  

Full Service Wealth Management Fees

The fees we charge will vary based on your assets under management, portfolio composition and services required. However, your management fees are likely to be in the range of 0.75% to 1.00%. Please contact us for a detailed service and pricing quote.

  

Online Wealth Management Fees

If you prefer to interact with us via our online platform your fees are as follows:

  • 0.50% fee
  • DFA or Vanguard/iShares Investment Portfolio options
  • Tax Efficient Investing
  • Life and Disability Insurance 
  • Auto-rebalancing
  • Auto-deposits or auto-withdrawals
  • Dividend reinvesting
  • Transfer fees reimbursed for accounts $25,000 or greater
Referrals to trusted external advisors for additional services:
  • Financial Planning
  • Tax Preparation
  • Will, Power of Attorney and Estate Management

  • all Getting Started features 
  • reduced 0.40% fee
  • Financial planning session including financial projections
  • All transfer fees reimbursed 

  • all On Your Way features
  • comprehensive financial planning
  • enhanced tax-efficiency and asset location
  • coordination of tax preparation with your tax professional
  • coordination of an estate plan including wills and powers of attorney with your estate professional


Portfolios

We create portfolios using low cost F-class funds from Dimensional Fund Advisors (DFA) as well as exchange-traded funds (ETFs) from Vanguard and iShares. Our preference is to use DFA factor-tilted funds in client accounts (see blog article Why DFA? in our Education section). However, if you prefer non-factor-titled portfolios, Vanguard and iShares are for you - and they are excellent choices. The final decision will be made in consultation with your portfolio manager regardless of whether you use our full service or online offering.

Portfolios <$100k

Since we absorb all trading and custodial costs for our clients we use "one-fund" solutions for accounts under $100k. This helps keep our costs low and service those with smaller account balances. As your account balance grows past $100k we may add more sophistication and increase your tax efficiency. 

Portfolios >$100k

We may use one, two or multiple fund portfolios for these accounts. The decision will be made in consultation with your portfolio manager and depend on your unique circumstances. 

The portfolios below link to one-fund  and two-fund solutions. If your circumstances require three or more funds, the information below is still very much relevant. You will own the individual component funds in similar allocations to the one-fund and two-fund solution.

A word about bond (fixed income) funds: some of these funds can cost a lot to hold due to adverse tax treatment. If you have non-registered accounts we may substitute more tax-efficient bond funds for the Vanguard and iShares bond funds listed below.

0% Equity

20% Equity

40% Equity

50% Equity

DFA Global 40% Equity/60% Fixed Income
iShares Core Income Balanced ETF


60% Equity

70% Equity

80% Equity

100% Equity

Frequently Asked Questions

Contact

If you would like to speak with a portfolio manager to learn more about our services, please provide your contact information below. Someone from Polaris Wealth will respond within 24-hours Mon-Fri. 

Due to COVID-19 we are not meeting clients in-person at this time. We are happy to schedule a video or telephone call at your convenience.


Preston Square Office

343 Preston Street, 11th Floor
Ottawa ON K1S 1N4
Phone 613-755-4004 | 1-877-755-4004


Courtwood OFFICE

1796 Courtwood Crescent
Ottawa ON K2C 2B5
Phone 613-668-5065 | 1-877-755-4004