Wealth Management

True Diversification


As a Private Wealth Advisor, I work with investors to determine their overall investment knowledge, current investment holdings and risk temperament.

By discussing this vital information, I work with my clients to achieve a Core + Explore™ portfolio by choosing suitable alternative investments and referring them to Portfolio Managers for their public investment needs.

For more information, please visit raintreeFS.com.

Alternative Investments can have several benefits

UNIQUE INCOME SOURCES
UNIQUE RISK-ADJUSTED RETURN PROFILES
ACCESS TO NEW MARKETS
PRE-IPO (INITIAL PUBLIC OFFERING) OR HIGH GROWTH OPPORTUNITIES
BENEFICIAL TAX TREATMENT

Registered Accounts (RRSP, LIRA, RIF, LIF)

Many of the alternative investments that are distributed through Raintree can be purchased in your registered plan. As part of Raintree’s objective to bring private capital investing to Canadian retail investors, they work with many of their issuers to create platforms that qualify for registered plans under the Income Tax Act (Canada).

What does this mean? While significant confusion exists around the use of registered accounts (ie: RRSP, RIF, LIRA, LIF, RESP, RDSP, etc.), most of it has been caused by the lack of options in which to invest. Think of your registered account as more of a container than an investment. What you put in your container will largely determine its performance. Traditionally this has been mutual funds, as they were the most accessible, and often the easiest way to get started.

Registered accounts provide a tax shelter where your investments can grow while deferring the tax on any growth. This deferral lasts until you convert your registered account into an income fund (RRSP to a RIF, LIRA to a LIF, etc.), at which time there is a prescribed rate at which you must deregister your account. The benefits and penalties of an RRSP can be quite complex. I recommend discussing your decision to utilize registered accounts with your qualified tax advisor.

A different breed


Alternative investments are generally private (non-market traded) securities. These investments are established based on distinctive strategies that may not be available in traditional stocks, bonds, or mutual funds. These investments can be equity or debt securities, and they can be complicated or straightforward.

As a Private Wealth Advisor with Raintree Financial Solutions, a registered Exempt Market Dealer, I provide you with access to both alternative and traditional markets in a way that is specifically suitable for you.

There are many reasons why I work with Raintree, but here are the top five.

Raintree Financial Solutions

First-Party Due Diligence

Raintree has an internal corporate finance team that scrutinizes potential offerings and assesses key aspects of an opportunity. From reviewing audited financial statements to conducting site visits and meeting with key individuals, they insist on understanding important aspects of the business model.

Ongoing Reporting Requirements

Raintree reviews new reports, ensuring up-to-date information is available to understand what is happening with your investment.

Alignment of Interests between Investors and Managers

Raintree’s goal is to find investments where incentives are created to align management goals with investors. This ensures that decisions made by management result in benefits for both the managers as well as the investor.

Fee Transparency

All fees, commissions, and profit-sharing are discussed openly prior to your investment. Returns are shown net-of-fees taking out the math or guesswork when determining exactly how much you earn from your investment.

Performance Based Management Fees

Where applicable, profit-sharing incentives give management a reason to increase efficiencies and focus on earnings. Any increase in efficiency that drops to the bottom line then translates into a split in profits between the investor and the investment management.

Are Alternatives Right For You?

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