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Viewing Invested Assets as a ‘Piggy Bank’ vs. a ‘Pay Cheque’

By Mark Barnicutt on November 19th, 2021

Many successful entrepreneurs who’ve worked hard to build their business from the ground up sell the business for a significant sum – which becomes liquid investment assets held within financial structures like holding companies and family...

Portfolio Transparency

By Mark Barnicutt on November 12th, 2021

After a thirty+ year career in the Canadian wealth management industry, I’ve learned many things.  One of my key learnings is that during bull markets – when ‘making money’ seems to be effortless – many affluent families become...

Reaching Your Investment Goals

By Mark Barnicutt on September 9th, 2021

This article is focused on the need for Investment Advisors to customize the “investment ride” — the portfolio value ups-and-downs — that investor clients take with them. Specifically, so much of the global wealth management...

When to Change Your Investment Advisor: The Red Flags

By Mark Barnicutt on September 3rd, 2021

Like any profession, there are competent advisors and not-so-competent advisors in the wealth management industry. Our experience is that there are always warning signs for clients that it’s time to change investment advisors. Here are seven signs...

Safeguarding Accumulated Wealth

By Mark Barnicutt on August 14th, 2021

OVERVIEW For affluent family investors who have accumulated large sums of hard-earned capital or investment fiduciaries who are responsible for the stewardship of capital for the benefits of others, such as foundations, I believe that investing...

Risk Management Controls for Affluent Family Portfolios

By Mark Barnicutt on July 23rd, 2021

OVERVIEW: When constructing portfolios for investors, I believe that there needs to be a thorough process of quantifying their investment goals, understanding their journey in life, and assessing their tolerances to various types of risk. Given...

Foundations and Proper Asset Management: The problems and the solution

By Mark Barnicutt on June 30th, 2021

The Challenges for Foundation Boards The globalization of capital markets has caused a significant increase in both the variety and complexity of available investment opportunities. Examples of investment options now available include: Bonds Stocks...

Entrepreneurs Could Teach the Wealth Management Industry a Few Things

By Mark Barnicutt on June 18th, 2021

As prosperous entrepreneurs know, successful businesses rely on cash flow; revenues must exceed expenses to result in cash profit. In order to generate positive cash flow, businesses need to effectively leverage their current assets and resources....

The Virtual Family Office Structure

By Mark Barnicutt on June 2nd, 2021

You’ve worked hard to create your family’s wealth. You want it to be well managed and sustainable for future generations. Unfortunately, as we mentioned in a previous post, family wealth is not self-perpetuating. Without proper planning, it...

Understanding a True Fiduciary

By Mark Barnicutt on May 11th, 2021

“In a client’s best interests” is a phrase heard often in the financial industry. While many investment advisors simply talk about this concept, fiduciary financial advisors have a moral and ethical duty to live up to it. So what makes a...

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