FROM PLANS FOR THE FUTURE
TO FUNDS AND SAVINGS THAT
PAY FOR WHAT YOU DO TODAY.
what people say
conventional
compensation
Traditionally wealth management firms charge fee as a percentage of assets. Commissions may be charged on top of the fee. This is a sample of what a sliding fee schedule can look like. Sometimes there is a minimum charge.
first $500K @ 1.50% = $7,500
next $250K @ 1.25% = $3,125
next $250K @ 1.00% = $2,500
$1M+ @0.50% = $5,000
$1M managed = $13,125
Fees in these circumstances should also be tax deductible for non-registered accounts.
FLAT feeS
for sharp people
One & Done Capped Fee.
1 % on AUM 7500 per household.
Minimum $3,500 plus HST Capped Maximum $7,500.
Trades at $15.00 plus HST.
Portfolio manager doesn’t
make profits from trading.
$250K = $3,500 or 1.4%
$400K = $4,000 or 1.0%
$500K = $5,000 or 1.0%
$750K = $7,500 or 1.0%
Tax deductible in both cash and margin non-registered Investment Accounts.
fund trailers
and expenses
Mutual funds are a vehicle to get you started on the road to saving for your future. Mutual fund fees vary greatly. A recent Morningstar study found that Canadian equity funds MER median charges are 1.94%.
$250,000 @ 1.94% = $4,850
$400,000 @ 1.94% = $7,760
$500,000 @ 1.94% = $9,700
$1 million @ 1.94% = $19,400
Mutual fund fees are NOT a tax
deductible in any account type.
SNAP SHOT
Portfolio Review
Note
If you decide to engage PMWS to manage your affairs, the $600 will be applied to your first-year fees based on the compensation formula you choose.
Flat Fee
Portfolio Review Plus
Ongoing Portfolio Management
- Personalized portfolio construction.
- Written Portfolio Strategy.
- Ongoing Access to Portfolio Manager. Managing the account.
- Quarterly Review.
- Risk Management Review.
- Decumulation strategies to minimize tax & maximize income.
- Sustainable Snowbird Income Strategy.
- Access to Wealth modules to illustrate and educate based on your needs.
- Annual review
- Personal Registered/Cash accounts.
- Corporate Accounts.
- Holdco Accounts.
- Family Trusts.
performance
0.5% + 20% over 5% p.a.
Ongoing Portfolio Management
- Personalized portfolio construction.
- Written Portfolio Strategy.
- Ongoing Access to Portfolio Manager. Managing the account.
- Quarterly Review.
- Risk Management Review.
- Decumulation strategies to minimize tax & maximize income.
- Sustainable Snowbird Income Strategy.
- Access to Wealth modules to illustrate and educate based on your needs.
- Annual review
- Personal Registered/Cash accounts.
- Corporate Accounts.
- Holdco Accounts.
- Family Trusts.
charge less yet give more
service and attention.
How do we do this ?
Find out more about our
business model. See if it fits
your goals. Let’s talk business.
MethodS
1. Identify Unforced Errors
2. Bring Predictable L.U.C.K.
3. Knowing Your Strategy Pays
4. Precise Tools and Execution.
5. Rules based Income Investing
About You
You may be planning for retirement, or you may already be there.
The sooner you decide to get ready for what’s coming and optimize your asset allocation and tax structure, the better.
Regardless of your age, you should know if your money will last for your life expectancy.
Are you Retirement Ready or not? Find out.
About Me
PensionizeMe Wealth Services (PMWS) conducts its advisory business on the independent integrated platform of Aligned Capital Partners Incorporated (ACPI)
Ray Dragunas, PMWS Portfolio Manager, is financial industry veteran with over 25 years of experience working with high net worth Canadian investors.
WHEN AGE IS NOT
"JUST a NUMBER".
Retirement may be something you planning for. Or you may already be there. In both cases, you need to know if your money will last for your life expectancy. In other words, are you Ready?
Or Not ?
Being RRON means you can answer the following questions easily:
- What rate of return you need on your investments?
- How much do you need to save?
- At what age can I retire comfortably?
- Will I have to reduce my retirement lifestyle?
PensionizeMe Wealth Services answers questions, then puts a strategy in place to get as close as possible to your goals, while minimizing taxes & cutting cost.
HOW TO APPLY
our methods
About Simply5 Money Method.
It actually is simple. We are not
showing up at the office to get compensated for complicating things. This is what we will do.
- Identify the Wealth Transfers.
- Take control of all your Assets.
- Personal Economic Strategy.
- Have trade execution set up.
- Monitor and adapt on the go.
Species that Survives, nor the
Most Intelligent, but the One
Most responsive to Change.
– Charles Darwin.
pensionizeme
top ten model
PensionizeMe Wealth Services (PMWS) seeks to minimize costs when managing client portfolios. Keeping an eye on cost, like in any business, means more money working for you and your future.
A few people have asked how can your fees be so competitive? The answer is simple. PMWS leverages technology and as result we can pass along the savings to our clients. PMWS uses leading edge professional screening tools that minimize the time required to find opportunity and then decide whether to act.
PMWS helps meet client needs using Closed End Funds (CEFs) Top 10 Yield & Discount Strategy and top Exchange Traded Funds (ETFs) to attempt to develop a sustainable tax efficient income stream. In essence, a Pension Plan.
FIVE STEPS TO DETECTING DIVIDENDS AT A DISCOUNT. ELEMENTARY METHODS YOU
WILL BE GLAD TO DISCOVER.
1. COSTs.
There are 5 areas where wealth transfers occur:
- How you finance your home purchase.
- Taxes. Don’t pay more than you should.
- Using Retirement plans effectively.
- Savings for Education.
- Paying for Major Capital Purchases
There are saving that can easily be identified in each of the 5 areas. Those saving can then be put to work for the future.
2. L.U.C.K.
To stress how important it is to be able to access your money, PMWS like to use the acronym LUCK.
Liquidity – knowing you can access your money easily.
Use – Accessing your money is for your use and not subject to outside opinion.
Compounding – Having your money compound for your future use in a tax efficient manner.
Knowledge – knowing that your money is working for you and your future and no one else’s.
3. strategy.
After identifying your unique issues and goals, present a strategy that focuses on generating tax efficient income with an eye on risk management.
Earning income and growing your capital is one thing, keeping the most you can after tax is key.
Most people play to win. Some people know that the easiest way to victory is identifying unforced costly errors.
Eliminate these and win by refusing to lose.
4. ExecutiON.
After we present the strategy, it will be put into action across your household accounts, scaled in over an agreed upon time frame. Any areas where wealth transfers are occurring will also be addressed at this stage and a strategy put in place to save those dollars and get them working for you.
Our strategy requires precision and a mini trade desk to work. In Allinde CMP we have a digital tool box, a Swiss army knife for fast, efficient execution of index rebalancing trades.
Please visit our trusted and verified Partners websites.
Find out more.
5. MONITORING.
Unfortunately, many changes to portfolios tend to be made on an emotional level. This is understandable, after all you worked hard to save and invest, and you don’t want to lose.
PWMS removes the emotion by using a rules-based approach to invest for parts of our portfolios. We work hard to choose investments that even if they drop in value temporarily, should continue to comfortably pay out an income stream to our clients.
Market conditions can change almost daily. PMWS are not day traders. We are sensitive to changes in market sentiment. If we feel that there is a need to make changes to the portfolio we will.
Notice: Partner services offered by entities
Separate and Distinct from Pensionize Me.
videos, guides
& case studies
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ETFs: The value of starting early
Millennial clients who begin a low-cost plan of saving for retirement now will reap the benefits over time. ...
Calculating the CEF discount
When it comes to CEFs investor sentiment and the limited number of shares available play a role in determining discounts and premiums to NAV....
Open your Portfolio to CEFs
In the last issue I addressed the potential discount mechanism that exists in Closed End Funds (CEF)...
Why us?
WHY AN INTEGRATED ADVISORY
BUSINESS MODEL IS A WIN-WIN
1. Big Picture perspective
This involves looking at all aspects of your financial situation, including your goals, risk tolerance and overall financial health, in order to create a comprehensive wealth management plan.
2. Fee-Based
Being fee-based means our economic interests are aligned with yours. If you are successful, we are successful. It also means you aren’t tied up for years in complicated products. We are humans, so we have made some mistakes before, but we learned from them, we got better and moved on. We also believe this is the best client-advisor relationship model.
3. I am an Advisor, Not a Salesman
I focus on understanding and meeting your unique needs and goals, and providing personalized recommendations and strategies that are tailored to your individual financial situation.
Let me be radically honest. I am independent advisor, experienced, straightforward and I work for you.
4. Honest and Direct Advice
I pride myself on giving advice that is not only honest, but its also direct. Sometimes, that means giving you recommendations and advice you need to hear. I believe that plain-spoken, direct advice will better help you reach your goals.
5. Evidence Based, Education Driven
Deciding who to work with can be a complicated process.
How do you know who is verifiably trustworthy? We offer free education on important topics. You “can kick our tires.”
However, the best way to know is to join us.
We are confident our initial conversations and complete transparency eliminate any surprises.
In the end, you don’t know what you don’t know.
