It Starts With A Simple Conversation

Investment Consulting:

Fortem Financial employs sophisticated research and analytical systems to screen thousands of stocks and bonds to create a bottom-up fundamental analysis that identifies mispriced securities around the world.

• Access to sophisticated research and analytical systems.
• Active screening of thousands of stocks and bonds to create a bottom-up fundamental analysis identifying mispriced securities around the world.
• Screening and review of seasoned and emerging money managers, seeking out mangers who have delivered positive risk-adjusted returns against their benchmarks.
• Creation of a personal investment policy for each client.
• We provide each client a custom-tailored investment portfolio, factoring in personal goals and risk tolerances.
• We provide daily monitoring of all banking and investing, with up-to-the minute information made transparent via a customized client dashboard tool.

Fiduciary Wealth Management:

A financial advisor held to a Fiduciary Standard occupies a position of special trust and confidence when working with a client. As a Fiduciary, the financial advisor is required to act with undivided loyalty to the client. This includes disclosure of how the financial advisor will be compensated and any corresponding conflicts of interest (National Association of Personal Financial Advisors).

Why should you care if your advisor is a fiduciary?

• If your advisor is NOT a fiduciary, you have no assurance that he/she is working with undivided loyalty to YOU.
• If your advisor is NOT a fiduciary, they may not provide a clear and complete statement of any conflicts of interest present in the work he/she is doing on your behalf.
• You may not receive a full and complete disclosure of all fees and embedded costs if your advisor is NOT a fiduciary.
• If you are NOT working with a fiduciary, your advisor may unfairly advantage one advisory client to the disadvantage of another.

Planning for Retirement:

Fortem Financial helps clients prepare for their retirement and understand what they need to do meet their retirement goals.  We establish and execute a plan to accomplish our clients’ personal goals, including:

• Perform a comprehensive analysis of current and future (expected) cash flows (both income and expenses).
• Analyze portfolio holdings to ensure risk remains within clients’ personal parameters.
• Work together with trusted legal professionals to establish an estate plan that will meet clients’ directives.
• Work with trusted tax advisors to ensure tax efficiency, both in portfolio management and estate planning.
• Review and monitor company retirement plans.
• Provide aggregate reporting so clients can view all their investment assets, cash assets, and insurance policies in one convenient location.

Tax Planning:

We work with your accountant to ensure we are managing your portfolio in the most tax efficient manner.  We also provide regular tax summaries of accounts including gains, projected income and fees to your accountant so that we can minimize your tax obligations.

We frequently hear of tax planning being done at year-end, or worse yet, in March or April just before taxes are due.  We provide ongoing tax planning throughout the year, allowing us to take advantage of tax loss harvesting when appropriate.

Charitable Giving:

For clients who want to include charitable giving in their estate plans, we provide advice to help structure and execute the establishment of:

• Private foundations
• Charitable funds
• Endowments and trusts

We also manage various foundations, charitable funds and endowments, and are familiar with the reporting standards required for these types of accounts.  We provide the necessary reports and monitor these accounts on an ongoing basis.