Investment Planning Strategies and Segregated Funds
Investment management works best when it’s connected to a real plan. Innova Wealth Partners helps you build and manage a portfolio aligned to your goals, risk tolerance, and timeline — and keeps it on track through market changes. If you want a clear strategy (not just products), start with a portfolio review.
Innova Wealth Partners is licensed to work with insurance products that mimic investments in mutual funds called “Segregated Funds”. These products offer investment and death benefit guarantees and have other considerable advantages like creditor protection and the ability to bypass probate taxes.
In the province of Ontario, only licensed individuals may recommend investment strategies that make use of securities like stocks and bonds. Jean-François Démoré offers investment advisory services through Innova Wealth Management, a trade name of Aligned Capital Partners Inc. (ACPI). We invite you to visit their webpage for more information on this service by clicking on the link below.
What investment management means at Innova
Investment management is about more than selecting products. It is about building a strategy that fits your goals, time horizon, need for liquidity, and tolerance for market uncertainty. At Innova Wealth Partners, investment conversations are tied to the broader financial plan so decisions are more intentional and easier to maintain over time.
Who this service is for
This service can help clients who want a clearer portfolio strategy, support with registered and non registered accounts, guidance through market volatility, or better alignment between investments and long term planning goals. It is especially relevant for people who want more structure and ongoing review rather than one time product decisions.
What a portfolio review can help clarify
- Whether your current allocation still matches your goals
- How your risk level fits your comfort and timeline
- How your accounts work together
- Where your strategy may need adjustment
- How market changes may affect your plan
Our approach
- Understand your goals and timeline
- Review current holdings and account structure
- Align strategy with risk and priorities
- Implement with clarity
- Monitor and review over time
A strong investment process should be understandable. The purpose is not simply to react to markets, but to build a strategy that can stay aligned through changing conditions.
Registered and non registered accounts
Investment planning often involves more than one account type. Depending on your situation, the strategy may involve RRSPs, TFSAs, and non registered accounts. The value comes from understanding how those pieces fit together in the context of your goals, tax situation, and time horizon.
How we think about market volatility
Market volatility is part of investing, but uncertainty becomes easier to handle when there is a clear plan behind the portfolio. A disciplined approach can help reduce emotional decision making and keep attention on long term goals rather than short term headlines.
What you can expect from a review
A review is an opportunity to step back, understand where you stand today, and identify whether your current strategy still fits. It can help bring more confidence to your decisions and connect investing more clearly to your broader financial plan.
How investment management connects to the rest of your plan
Investment strategy does not stand alone. It can support tax planning, retirement readiness, cash flow planning, and estate goals. That is why it fits naturally with other planning conversations at Innova Wealth Partners.
Frequently Asked Questions
Depending on the firm, the kind of investment services provided, and the type of portfolio being managed, the minimum investment needed when working with an investment manager in Sudbury can vary considerably. In general, you can expect the following ranges:
Conventional Wealth Management Firms
The minimum investment needed for full-service wealth management, which includes individualized financial planning, investment planning strategies, tax planning, and expert advice, can be anywhere from $100,000 to $500,000 or more. These are often the beginning points for full services, while certain companies may have lower minimums.
Robo-Advisors
The minimums for some robo-advisor platforms are far lower, typically between $1,000 and $5,000, if you’re searching for more affordable, automated investment planning strategies tools, with less human interference. Those with smaller portfolios who are still seeking professional guidance may find this option more appropriate for their needs.
Private Client Services
Depending on the business and the degree of service, the minimum investment for a specialist, wealthy clients seeking custom portfolio management may begin at $1 million or even more.
It is important that you work with a wealth advisor who not only aligns with your investment amount but also provides personalized financial strategies tailored to your life goals and priorities.
Absolutely! Investment managers in Sudbury are able to assist with retirement planning, offering a range of services tailored to this exact objective. They begin with a thorough financial analysis of your current situation, which allows them to gain a clear understanding of your assets, liabilities, savings, income, and goals. This insight helps them develop and implement an effective savings plan to achieve your retirement objectives.
In addition to investment strategies, incorporating disability insurance and critical illness insurance is crucial for providing financial security during retirement.
From there, they will set out a personalized investment strategy that aligns with your goals. Along with their strategic plan, they will also help you minimize your tax liability and prepare for you to generate income in your retirement. Oftentimes, financial planners work with estate planners to ensure that your assets are handled accordingly after your passing. Investment managers also offer ongoing monitoring, review and adjustments to ensure your strategy remains on track.
The degree of control you, as the client, have over the decision-making process is the primary distinction between discretionary and non-discretionary investment planning strategies in Sudbury (this is not limited to just Sudbury, but applies anywhere else as well). To select the strategy that best suits your tastes, degree of involvement, and trust in your investment manager's knowledge, it is critical to comprehend the differences. This knowledge helps guarantee that your financial objectives, investment strategy, and overall wealth management are appropriately in line with your expectations, regardless of whether you prefer a more active role in approving decisions with non-discretionary management or a more hands-off approach with discretionary management.
Discretionary
In a discretionary account, also referred to as a managed account, the advisor can choose to buy or sell shares at their discretion without consulting you or obtaining your consent. They are under a fiduciary obligation to act in their best interests and have full ability to make decisions that do so. This type of management is best suited for clients who prefer a more hands-off approach. The advisor makes daily choices, however, you will usually be engaged in establishing early guidelines, such as risk tolerance or asset allocation.
Non-Discretionary
In a non-discretionary account, also referred to as a non-managed account, the advisor lacks the autonomy to carry out trades. Although the investment manager offers suggestions and guidance, the client must approve every choice before any transactions or changes are performed. This enables the client to have greater control over the investment choices and guarantees that they’re at ease with any modifications to the portfolio. Despite this approach taking more time, it is best for clients who want to be more involved in their investment strategy and approve every action before it is carried out.
Yes. Investment planning often involves a mix of account types, and each one can play a different role in the broader strategy. The key is not looking at each account in isolation, but understanding how they fit together in support of your goals, time horizon, and tax considerations.
Allocation and risk should reflect your goals, your timeline, your need for access to money, and your comfort with market movement. A strategy is more likely to hold up over time when it is realistic for the person behind it. That is why a thoughtful review matters before changes are made.
Periods of market stress are part of investing, which is why process matters. A clear strategy can help reduce emotional reactions and keep decisions anchored to long term objectives. When markets change, the focus should remain on whether the portfolio still fits the plan rather than simply reacting to the latest headline.