We understand the unique challenges that come with managing wealth. We strive to serve as a trusted partner of individuals and families, providing customized wealth management solutions based on a thorough understanding of each clients’ finances, objectives and values. We aim to protect and enhance your wealth by considering these factors:
Security
Keeping a peaceful mind
A business model focused on protecting and increasing your wealth; a proven track record in looking after your assets; an approach that suitably meets your needs.
Planning
A solid financial roadmap
Successful investment is based on a well-structured plan. Understanding your objectives will help us put together the right portfolio with the type of assets that will meet your needs.
Investment
Putting your wealth to work
Beginning with a sound plan, we execute this plan based on available opportunities and market timing from our in-depth analysis. Your portfolio benefits from access to the accumulated wisdom of our team.
Diversification
An alternative perspective
An alternatively diversified investment strategy requires access to sound alternative investments with a global outlook, a deep understanding of markets around the world and of the trends shaping the international economy.
Relationships
A trusted partner
A close, long-term understanding of your personal and financial circumstances, absolute discretion and access to a world of unique investment opportunities – these characteristics allow us to add independent insight to your thinking and bring new ideas to your attention.
OUR CUSTODIANS
Your assets are in safe hands
We deal with regulated and recognized custodians to ensure not only that your assets are safe, but to also protect your privacy. We are affiliated with the following custodians:
RBC Investor & Treasury Services named #1 Custodian for the eighth consecutive year.
Global lnvestor Global Custody Survey 2018
National Bank Independent Network (NBIN) is a division of NBF Inc., which is an indirect, wholly owned subsidiary of National Bank of Canada.
Olympia Trust has become over the years a leader in custodial services for registered exempt market securities.
OUR CORE VALUES
Independence
Independence enables us to evaluate any investment opinion freely, and to use entirely objective research in developing our recommendations.
Integrity
Integrity is demonstrated through our total dedication to our clients, ensuring that we act in their interests at all times.
Excellence
Excellence is achieved by attracting high-quality and experienced individuals.
Respect
Respect is reflected by an investment process that is realistic, transparent and focused on our clients’ wealth management objectives.
YOUR INVESTMENT PLAN
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RETURNWhen preparing our recommendation, we start by establishing a clear understanding of your personal, professional and financial situation. A carefully thought-through strategy, with adequate inheritance planning and asset protection, can enhance solid results from investment management.
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RISK TOLERANCEOnce we understand the clients investment objectives, we look to the attitude toward risk. Risk tolerance will depend on the clients ability and willingness to take on risk.
Risk depends on the clients needs, which may include maintaining a certain lifestyle, preserving capital for use later in life and investing wealth in excess of those needs to seek opportunities for high returns. It will also depend on the clients personal attitude to risk, to ensure that they are comfortable with the investment decisions we recommend.
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LIQUIDITY NEEDS4
INVESTMENT5
LEGAL CONSTRAINTS6
REFERENCE CURRENCY7
SPECIFIC NEEDSFinally, we analyse the investment constraints that apply to the client. These will include:
– liquidity needs
– investment horizon
– legal constraints
– reference currency
– specific needs.
OUR INVESTMENT
PROCESS
PORTFOLIO MANAGEMENT
Practical arrangements are critical for implementing and executing a successful investment strategy.
BOARD OF DIRECTORS
WhiteHaven has a transparent structure for making investment decisions. Overseeing the process is the Board of Directors, which meets once a year. The Board discusses and defines the long-term investment strategy and identifies new trends such as growth in alternative asset classes.
MANAGEMENT TEAM
The Management team meets monthly to reassess the long-term strategy in the light of developments and to identify tactical opportunities. Led by our CIO, it makes any decisions deemed necessary in the asset allocations for the different mandates. More frequent meetings can be held to review the market environment and to decide whether allocation needs to re-evaluated.
PORTFOLIO CONSTRUCTION
It’s about structuring the portfolio in a way that stands the best chance of meeting the stated investment objectives within the acceptable level of risk.
INVESTMENT STRATEGIES
Our tailored portfolios are not the traditional portfolios
The best investing strategies are the ones that work best for each individual investor. A tailored approach to a client is the ideal strategy.
ALTERNATIVE INVESTMENTS
Alternative investments are not intended to replace an entire portfolio, but rather to add diversification by including strategies less dependent on positive stock and bond market performance.
A growing demand
For many investors, alternative investments are relatively new. However, many individuals are already exposed to these types of assets yet have not realized it. For example, alternatives through capital investments in private businesses, purchases of real estate, and even through participation in pension plans such as the Canada Pension Plan Investments (according to its 2021 Annual Report, more than 48% of its net investible assets are invested in alternatives).
Historically, alternative investments have mostly been used by institutional investors, endowments and ultra-high net worth investors due to high minimum requirements, inherent complexities, low liquidity and limitations in regulation. But as alternatives become more widely available and popular, they are making their way into the mainstream.
The Retirement Investment Challenge study by “The Gerstein Fisher Team (2019)”
Investors need to take far more risk than 15 or 30 years ago to earn the same expected return of 7.5%
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