With thousands of investment advisors in Canada, here is why we are the preferred choice:
A highly skilled team of nine professionals with over 100 year of experience and recognized credentials.
An independent brokerage free from bias of having to sell one company’s products. Our holy ground is our independence, and this is rare in Canada today.
A time-tested, proven six-step investment portfolio design process full of education, transparency, and common sense creating a meaningful discussion about your needs.
Five different fee options to choose from. Full fee transparency every year and a commitment to value pricing.
Tax-smart investing strategies based on Kurt’s best-selling books on how to invest to maximize after-tax returns.
Multi-platform options to fit everyone's needs: discretionary or non-discretionary services, commission based and fee-based accounts, stocks and bonds, ETFs, GICs from sixteen institutions, specialty products and more.
High-touch communication standards to keep you informed in meaningful ways all year long.
An investment plan integrated with your broader financial plan to address your real life goals.
Our Time-Tested, Six Step Professional Advisory Approach for Portfolio Construction & Management
Step 1: Getting To Know You
Short term, medium term, and long term goal identification
Goal focusing and prioritizing
Assess client financial & non-financial needs
Clarify goals, constraints, and preferences
Establish relationship parameters
Collect detailed personal data
Develop a clear picture of what you are investing for (tie goals to investment strategy)
Set expectations for specific goals and their costs that we can measure progress towards over time
Lay out our planning and process including how many meetings we will have and who you will work with
Finalize costs of services
Step 2: Evaluating Your Big Picture
Develop broader perspective on your career, taxes, estate, real estate, cost of living, retirement, family matters and more that will give us key information relevant to how you should invest to achieve your goals
This "big picture" perspective of tying all your finances together and integrating the thinking is one of the great strengths of our approach
The work we do on your broader financial plan will vary by client and stage of life
This "financial math" of how you spend your pay cheque will provide essential information on how to guide you on what to save for financial goals and how to design an investment portfolio that suits you
A cohesive, multi-layered financial plan where opportunities are maximized across your entire personal financial spectrum
Step 3: Building Your Financial Blue Print
Step three consists of assessing your profile for investment risk, understanding cash flow needs from the portfolio, understanding income tax levels you are at, reviewing regulatory constraints, understanding social conscious rules you wish to follow and more
Working with you over several meetings we will discuss past investment experiences, understand your investing sophistication, integrate other investments you hold elsewhere, listen to your goals, concerns and fears and summarize all of this information in a written Investment Policy Statement that we review with you
An Investment Policy Statement or "IPS" is the gold standard worldwide for professional advisors who wish to document their portfolio design with clients. This document services as a roadmap and a rudder to then buying products suited to your plan. You sign the IPS and we sign it too
Using the IPS document we are now ready to purchase products based on the planning completed together in steps one to three
The IPS will set out an asset allocation that outlines our recommendations between how to invest in cash, fixed income or the stock market to achieve your financial goals
The IPS and the asset allocation provides an accountable framework for us to maintain and manage against over time. We have well thought out plans, procedures, documents and processes to keep you informed every step of the way
Step 4: Implementing Your Blueprint
Select investment products from a wide variety of sources that match the plan we have created together in steps one to three
Using up to ten qualitative and quantitative criteria that you also review, we filter products around the worldwide market place to make recommendations for suitable portfolio holdings by asset class: cash, fixed income, equity and more
Generally we tend to prefer market traded securities (e.g. stocks, bonds, ETFs) and use very little in the form of mutual funds or pooled funds. We look at the best products worldwide and offer them to you
We review your existing portfolio securities to determine what should be kept or replaced giving sensitivity to fees and taxes you may incur to transition
We complete rebalancing trades to develop the new portfolio using either a transactional fee approach or an asset based fee approach. The fee approach is discussed at the start of the relationship and agreed to in writing
Once the portfolio is re-balanced combining the best of your old portfolio and our new recommendations we have a selection of products that match your goals, fit together in a cohesive plan, are value-priced, tax smart and offered in a transparent approach
Questions are welcome every step of the way and we move through this process at your pace
Step 5: Keeping You Informed
Pro-active Annual Monitoring
Analysis & Communication
Ongoing measuring and monitoring of financial solutions for continued effectiveness
Constant behind the scenes money manager or product due-diligence on your behalf
Regular investment statements mailed to you
Internet access to view investment accounts online
Regular personalized reporting of results
Pro-active personal contact and communication on results, value, progress, and new opportunities. Our contact with you will be when and how you prefer
We offer a you-design communication approach where we work with you to communicate how and how often you want
We strive to build a regular, meaningful and easy to understand communication plan with you that evolves as your needs change
Historically we tend to stay in touch a lot - sometimes too much - we welcome your coaching on what suits your preferences
Step 6: Keeping You On Track
Pro-active annual review & update on progress towards goals
Complete annual review and analysis of all program aspects and personal finances in general for continued applicability and effectiveness of strategies and products
Identify new opportunities and future threats
Manage strategies and products, revise as necessary to keep you on track towards your goals
Achieve Objectives: Financial Peace of Mind
Key Characteristics of the Service
A comprehensive, organized, professional program for all of your investments
Disciplined investment program that is simple to implement
Read many more client testimonials on Kurt’s LinkedIn profile!
I went through three or four financial advisors before I found Kurt. Kurt is knowledgeable, very responsive, and most of all, he is genuinely interested in helping us achieve our financial goals. He's a keeper.
It is a pleasure working with Kurt in a transparent environment. He is client focused in an industry where that is not common.
As my financial advisor, Mr. Kurt Rosentreter has consistently demonstrated exceptional management of my portfolio with annual growth even in these turmoil financial settings.
Without any reservations, I would highly recommend anybody serious about their financial futures to consult with Mr. Kurt Rosentreter before it is too late.
Dr. Mark Hsiang-En Lin
I have followed for years Kurt’s appearances on investment seminars, before I approached him to take on our investments. To date, we have been very pleased with his advice, warning, coaching us on our segment mix and his recommendations have always worked out for us.
Adolf and Beryl Fratton
Kurt’s wholistic approach to our family financial needs have given us comfort and confidence during a tough economic climate. Thank you!
Kristy Fletcher and Jim Neish
I met Kurt through my accountant’s contact and advice. I think changing my financial advisor was a very good decision, and very good advice from my accountant. Kurt is conservative and does look for our benefit, not his.
Kurt has, quite literally, a “wealth” of financial knowledge and experience based on many years of data collection and professional work/field experience. It is these skills that give me a high level of confidence and trust in his judgement and council. Additionally, Kurt is easily reachable and genuinely approachable, caring and courteous. I have never left a meeting with Kurt that I didn’t take away more useful and thought provoking information.
Palmo and Margaret D’Ippolito
It’s great to have an advisor who looks at my overall financial picture and is not averse to recommending an investment even if it means less income or fees for him. Kurt has been a pleasure to deal with.
When we first met with Kurt, we discussed our expectations and he gave us good ideas as well as a roadmap. It is to his credit that now we are firmly on that roadmap. Thanks Kurt!
Years of experience
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Kurt Rosentreter Financial Planner and Family CFO
Financial Advisor, Toronto A Professional Family CFO that assists with all aspects of your financial affairs. Toronto Based.