Investment Philosophy
At Summit Private Wealth, we realize that to achieve successful results, a differentiated approach is necessary. Our disciplined house style is focused on delivering superior risk-adjusted returns.
As such, our investments typically do not resemble those of the herd. We tend to have fewer holdings, we are index agnostic and we focus on the highest quality. Our due diligence is an important part of our process, and it is important to invest in companies that have solid management, strong balance sheets, strong free cash flow, low debt, and that allocate capital wisely.
Our experienced and proven house style and co-investing with select other portfolio managers allows us to help our clients create wealth and successfully navigate all the various market weather conditions. We are disciples of The 5 Laws of Wealth Creation:
- Set meaningful goals, and create a sound action plan.
- Use other people’s expertise and intelligence.
- Pay yourself first and use other people’s money prudently.
- Own a few high quality businesses that you intimately understand.
- Hold those few quality businesses for the long run.
Investment Solutions
Summit Private Wealth is committed to putting our clients’ interest first and finding investment solutions that we buy into ourselves. By investing along-side our clients, we fully embrace our philosophy and provide clear objective solutions we truly believe in.
We do not care about being boring in our approach, we simply care about making money. This sounds simple enough, but it is strangely difficult to implement due to human nature. Here are some of the tools we use to construct portfolios, grow assets, and protect capital.
- Discretionary Portfolio Management
- Managed Investments and Private Pools
- Stocks, Bonds
- ETFs
- Guaranteed Investments*
Alternative Solutions
The wealthy invest differently, so why should you be any different. Summit Private Wealth is committed to being stewards of wealth creation and aligning your interests with those who have already shown us a clear path to successful investing.
In order to stand out from the crowd, alternative asset classes help to diversify your portfolio and give you access to some of the best minds in the investment industry. Here are some examples:
- Managed Real Estate and Infrastructure
- Activist Investing
- Access to Private Equity
Tax Solutions
Nobody likes to pay unnecessary taxes, yet there are very few things more certain in life. Summit Private Wealth has made it a mission to embrace tax efficiency throughout all the stages of your Life Cycle Objectives. Some items to consider:
- Asset class positioning
- Investments (Corporate Class, ROC, T Series, Flow-Through)
- Insurance (Corporate Estate Bonds, Insured Retirement Programs, Prescribed annuities)*
Business Solutions
Summit Private Wealth specializes in helping entrepreneurs and small to medium sized businesses manage their holistic wealth. Focusing on running your business takes a big commitment and leaves very little time to consider all the financial planning items that need to be addressed.
We can help take the burden of planning off your shoulders and put you fully in control of your corporate wealth needs. Below are some items to provide peace of mind:
- IPPs
- RCAs
- GRSP
- Corporate Insurance Solutions (income solutions and asset transfers)*
- Trusts
Insurance Solutions
At Summit Private Wealth, we provide objective advice to help you navigate the complexities of the insurance world. Our contracts with the major insurance providers give you access to a wealth of choice, and this allows you to access competitive pricing that provides suitable coverage for your needs.
There are many factors to consider in helping you protect the wealth you are accumulating, the wealth you have already built, or the wealth you wish to pass on. Here are some common tools that are used to make this possible:
- Life Insurance*
- Disability Insurance*
- Critical Illness Insurance*
- Long-Term Care Coverage*
- Hybrid Solutions*
- Insured Annuities*
- Registered Insured Annuities*
Estate Solutions
Like paying taxes, there are very few other certainties in life. Preparing your estate plan may always seem premature, but at Summit Private Wealth we believe in preparing for the unexpected and having a solution when one is needed.
Your wishes and intentions must be clearly known when important decisions need to be made. It is important to protect the wealth you worked hard to build. We work with estate planning professionals to guide you in addressing the following needs:
- Estate Plan
- Wills and Mandates
- Trusts
- Insurance settlements*
- Asset transfers
