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Chalten Fee-Only Advisors Ltd. | Investment Management & Financial Planning
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EVIDENCE IS EVERYTHING
Investment Management

Do you want to spend your retirement travelling the world or pinching pennies?

Do you want to retire at age 60 or at age 70?

Do you want to have enough to give your children a jump start on life or have them struggle on without your assistance?

These are easy questions to answer but achieving the result you want often depends on the success of your investments. And by success we don’t mean whether you hit a big homerun by picking the top stock or picking the next star fund manager. Successful investing is more about avoiding common mistakes that many Canadian investors are making right now. Please contact us for a complimentary initial consultation and we’ll help you answer some of the following key questions:

  • Am I paying fees or sales commissions that are too high and/or hidden? What is the potential impact on my nest egg over the long run?
  • Are all my eggs in one basket? Are my investments diversified enough?
  • Am I taking risks with my money that aren’t appropriate for me and my family?
  • Are my investments in the right accounts to allow me to minimize taxes?
  • Should I be saving within my corporation or in my personal accounts?

The Investment Management Process

Investment management is an important component of your long-term financial plan. It takes time, discipline, confidence and we believe a genuine interest in investing and the investment process.

If you would rather remove this stress from your life (and spend more time doing what you want to do) Chalten offers independent investment management services. We help you through each step of the investment management process to make sure the approach is customized to your needs.

The investment management process involves the following steps:

  • Defining your investment goals
  • Understanding your capacity and tolerance for investment risk
  • Developing an Investment Policy Statement that serves as a guide for your investment approach and strategy going forward
  • Determining your precise asset allocation
  • Establishing the right investment accounts* to suit your goals and situation
  • Selecting specific funds and ETFs and deciding in which of your registered and non-registered accounts to hold them (eg. RRSP, TFSA, RESP, business, etc.)
  • Deciding when to rebalance your portfolios
  • Creating an investment implementation timeline and plan
  • Ongoing investment management activities including monitoring, rebalancing, and reporting
  • Ongoing planning to ensure your investment management strategy continues to meet your needs

*It is important to note that Chalten does not hold client assets directly. Rather they are held in custody with a regulated financial institution (Qtrade Investor or RBC Investor and Treasury Services), to ensure maximum protection of your assets. Qtrade is a member of the Canadian Investor Protection Fund.

Investment Products

Chalten uses best in class investment product providers that are aligned with our investment philosophy and the best interests of our clients – specifically we use low cost mutual funds from Dimensional Fund Advisors and Exchange Traded Funds (ETFs) from Vanguard™ and iShares® that are combined to form target portfolios that best suit your needs.

Fee-Only Advice

The National Association of Personal Financial Advisors (NAPFA) defines a Fee-Only financial advisor as:

"One who is compensated solely by the client with neither the advisor nor any related party receiving compensation that is contingent on the purchase or sale of a financial product."

You compensate us directly for the work we do to manage your investments. This removes any conflict of interest and frees us to search for the best and most appropriate investment products. For more information on our investment management fees please click here.

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Our approach contrasts that of many advisor services.

We help you feel empowered, confident and in control.

We provide independent and fairly priced advice.

Our only source of compensation is directly from you.

A good financial plan will increase your confidence.

We employ an evidence based approach to investing.

Chalten Fee-Only Advisors Ltd.

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Chalten Fee-Only Advisors Ltd. is registered as a
Portfolio Manager in British Columbia and Alberta.

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