We work with individuals and families across Richmond Hill and York Region whose financial lives have become more layered.
This often includes:
Many clients commute to Toronto, work in technology, or run local businesses. Their finances involve multiple moving parts, and a once-a-year review no longer feels sufficient.
We manage the full financial picture over time rather than at a single moment. This includes:
Rob Tétrault leads our team with a rare combination of credentials: a legal background, an MBA in Finance with Dean’s List honours, and a newly completed PhD. Our affiliation with CG Wealth gives us access to institutional-grade research and technology.
Best suited for:
Individuals seeking a one-time financial plan or an independent second opinion.
Best suited for:
Individuals & families who want continuous investment oversight, long-term strategy, and integrated financial guidance.
Typically includes:
Includes:
Important to understand:
This is generally a one-time engagement. Ongoing portfolio management, continuous tax coordination, and regular plan updates are not typically part of the arrangement.
Key difference:
Rather than receiving a plan and managing implementation on your own, your investments and financial strategy are actively managed and coordinated over time.
It is very common to begin the search with “fee-only financial planner.” In most cases, people want objective advice without conflicts of interest. That is a reasonable place to start.
What many investors discover is that a one-time plan does not account for what happens next. Active wealth management helps keep your portfolio and your plan moving together.
When Each Approach Makes Sense
Fee-for-service planning may be appropriate if:
Active wealth management may be more appropriate if:
Richmond Hill, Ontario sits at the centre of one of the fastest-growing corridors in the Greater Toronto Area. Many of our clients here hold corporate accounts, investment properties, or significant employer equity that require careful coordination across registered and non-registered structures.
Ontario tax considerations, CPP and OAS timing decisions, and succession planning are all areas we regularly manage for our Richmond Hill and York Region clients. We serve clients across Richmond Hill, Vaughan, Markham, and throughout the GTA, offering both in-person and virtual appointments.
If you are managing a growing portfolio and want to know whether active wealth management is worth exploring for your situation, we would be glad to take a closer look together.
Many people arrive after a fee-only plan that gave them direction but left the implementation entirely in their hands. Active wealth management fills that gap with ongoing oversight, tax coordination, and portfolio management. Reach out, and we will help you figure out what makes sense for your situation.
Tetrault Wealth is a portfolio management team working for CG Wealth Management. We are fully covered by the Canadian Investor Protection Fund (CIPF) and are held to the regulatory standards set forth by the Canadian Investment Regulatory Organization (CIRO). In addition to satisfying regulatory requirements, working with CG Wealth Management allows Tétrault Wealth the benefit access to an extensive amount of financial market research to supplement the independent research done within the group.
