Financial Services For Business Owners & Families
We cover all six areas of your financial life and coordinate them into a single, integrated strategy — so nothing slips through the cracks.
All Six Areas Of Your Financial Life, Coordinated
Here's what we work on — we don't just hand you a plan for each of these and leave you in the dark. We implement, we monitor, and we adjust as your life changes.
Goals Alignment
Cash flow, coordination, and financial organization, we start by getting a picture of where you are and building a foundation that supports every other area of your plan.
Risk Protection
Life can sometimes throws you curveballs. We help you structure the right protection for your family, income, and assets — so an unexpected event doesn't unravel it all.
Investment Strategy
We build evidence-based investment portfolios tailored to your goals and risk tolerance. You'll get a disciplined strategy aligned with your full financial picture.
Retirement Plan
We model your income needs, all your income sources, and build a withdrawal strategy that works for your life. So you can retire comfortably and the way you want.
Tax Strategy
From corporate structures to personal income splitting, we help you minimize your tax burden over the long term. Especially for business owners with surplus cash flow.
Legacy Planning
Wealth transfer doesn't have to be complicated or contentious. We help you protect your legacy, simplify the transfer of assets, and make sure your wishes are reflected in your plan.
How Coordinated Is Your Financial Life?
Answer 15 quick questions and receive an instant score plus a personalized PDF assessment showing where gaps may exist.
Investment Planning
Aligning portfolios with goals, timelines, tax considerations, and retirement plans.
Tax-Smart Investing
Strategies to reduce tax drag and keep more of what your investments earn.
True Diversification
Spreading risk across the right mix of assets, accounts, and planning strategies.
Risk Alignment
Strategies that fit your comfort level, goals, and stage of life.
Evidence-Based Investing
Discipline, diversification, and evidence — not speculation.
Value for the Fees You Pay
Know whether your fees reflect the advice and value you receive.
Transparent Fees, Built Around Your Relationship
Our fees are generally based on the assets we manage, with pricing that reflects your overall relationship, services provided, and planning complexity. We’ll walk you through everything clearly before you decide to work with us.
Frequently Asked Questions
A few things people tend to wonder about before they reach out.
You want to make sure your advisor is working for you rather than out of obligation or incentives from another company. In our portfolio management process, we carefully identify relationships that put our clients interests first.
We are independent and will work in your best interests. Our top priorities are in assuring you have a financial plan designed to give you confidence and a portfolio that gives you the best possible investment experience.
You want to work with people who are qualified to do their jobs.
Our advisors have been qualified to give financial advice in various ways since as early as 1985 and are continually upgrading their capabilities. Both Richard Vetter and Matthew Vetter are Portfolio Managers and have their Chartered Investment Manager (CIM) and Certified Financial Planner (CFP) designations. Richard has also earned the following designations:
- Certified Executor Advisor (CEA)
- Certified Exit Planning Advisor (CEPA)
Emilio Cantagallo has a BBA in Finance and Business Operations and is also a licensed Investment Advisor. He is currenntly pursuing his CFP designation.
Richard has conducted many financial educational seminars through the Richmond Public Library and has been a columnist for several years with The Richmond News. Since early 2018, we have weekly communicated our thoughts and tips through our “WealthSmarts” e-letter, a free service for the public designed to improve financial literacy.
You want to work with professionals who put your interests ahead of theirs.
We have a serious responsibility to put your interests ahead of ours. This is spelled out in the Fiduciary Duty section of our Conduct and Practices Handbook.
You can reference the Standards and Enforcement section of the Financial Planning Standards Council by clicking here.
What type of financial products do you offer?
With the complexities of financial products always growing, you need confidence that the advisor you work with understands and is qualified to offer what you need. As independent financial advisors we have access to the broadest possible types of financial tools and investment approaches that you will need to achieve your goals.
There are many different investment “locations” that may be a priority for you and we have the ability to meet most of them. For instance:
- Registered Retirement Savings Plans (RRSP)
- Tax-Free Savings Accounts (TFSA)
- Locked In Retirement Accounts (LIRA)
- Registered Retirement Income Funds (RRIF)
- Life Income Funds (LIF)
- Registered Education Savings Plans (RESP)
- First Home Savings Accounts (FHSA)
- Registered Disability Savings Plans (RDSP)
There are situations that are especially applicable to high net worth investors, such as:
- Corporate Investment Portfolios
- Personal Pension Plans (PPP)
- Trust Fund Investment Management
We are licensed to help you with the following specific investment vehicles:
- Stocks
- Bonds
- Mutual Funds
- Exchange Traded Funds (ETF)
- Real Estate Investment Trusts (REIT)
- Guaranteed Investment Certificates (GICs)
As independent insurance brokers, we offer full access to a broad range of insurance products from many different insurance companies. You can access full details on the following insurance services by clicking here.
- Term Life, Universal Life and Whole Life Insurance plans
- Disability Income Insurance
- Critical Illness Insurance
- Long Term Care Insurance
- Personal Extended Health and Dental plans.
- Private Health Services Plans (PHSP) and Health Spending Accounts (HSA)
What are your fees and are there any extra charges?
Our fees are based on the assets we manage for you. We do not charge hidden commissions or add-on fees.
This structure helps align our interests with yours: when your wealth grows, we grow with you.
We explain our fees clearly from the start, including what is included and how you are charged. Our goal is to provide coordinated wealth planning and investment management at a fair, transparent, and competitive cost.
What are your options for meeting with clients?
We understand that our clients all have different preferences for meeting, whether face to face, over the phone, or by Zoom. We offer all of these options and frequently use Zoom and other technology in our interactive client planning sessions.
We work best with successful families and business owners who want a coordinated approach to wealth, retirement, tax, estate and investment planning.
Do you have an account minimum?
Clients want to make sure that they aren’t at risk of becoming a number or forgotten. In order to protect the interests of our clients, we generally have a household account minimum of $500,000 of investments under our administration.
We will make exceptions, such as for family and friends of our current clients through referral as well as our own family and friends. Please schedule a conversation to discuss further.
We have no quotas to meet so that we are able to focus entirely on our clients’ best interests, rather than the needs of any financial institution.
Didn't Find What You We're Looking For?
We're happy to help. Reach out and someone from our team will get back to you within one business day.
Richard Vetter is registered as a portfolio manager to provide investment advice and products to clients residing in the provinces of British Columbia, Alberta, Ontario and Nova Scotia. Matthew Vetter is registered as a portfolio manager to provide investment advice and products to clients residing in the province of British Columbia. Emilio Cantagallo is registered as an investment representative to provide investment advice and products to clients residing in the province of British Columbia. Investment products, including securities, mutual funds and bonds are provided by WealthSmart Securities of Aligned Capital Partners Inc.
WealthSmart Securities is a trade name of Aligned Capital Partners Inc. (ACPI). ACPI is regulated by the Canadian Investment Regulatory Organization of Canada (www.ciro.ca) and a Member of the Canadian Investor Protection Fund (ww.cipf.ca). Clients accounts are protected by the Canadian Investor Protection Fund, within specified limits. A brochure describing the nature and limits of coverage is available upon request.
Start With a Free Assessment
A relaxed, no-pressure conversation to understand where you are, what matters most, and whether your financial life is as coordinated as it should be.
Our conversations are always stress and pressure free — guaranteed!
