Pensionize Me – Wealth Services

FLatten your fees, costs & taxes

to Boost your monthly income

WHAT people THINK.

I have been working with Ray for about 5 years now ...He can access a variety of investments that are helping meet my family’s goals and objectives. Second, he is focused on generating income, capital preservation and tax efficiency, which so far has been successful...This approach to management fees leaves more money in my accounts to grow...His level of client service is impressive.

Dvai Ghose, Head of Research, Canaccord Genuity (Retired)

Ray has been incredibly supportive throughout the process of learning how different investments work and getting started finding ways to invest in our future successfully. I recommend anyone considering learning more about investment strategies, from beginners to seasoned investors to talk to Raymond Dragunas and his competent team of helpful experts.

Christina King

I connected with Ray to discuss my retirement options. Could not make a better decision. I understand the strategy he created for me. I like the service. Ray is professional, strategic and honest. He provides sound guidance and strategies I could not receive anywhere else. I recommend Ray to anyone looking to be successful in reaching retirement goals.

Aida Juodis

I am a 65 y.o. female who had concerns and questions about retiring and staying retired. Ray facilitated my transition to a customized and successful retirement plan, demonstrating it's never too late. Ray's knowledge is impressive as are his solutions and tools available to illustrate a strategy. Being independent of the traditional bank network he was able to access solutions to meet my needs. His skills, ethics, and professionalism gave me the confidence that I could move forward and retire. I have no regrets.

Elena J.Retired

conventional
advisory fees 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 this scenario should also be tax deductible for non-registered accounts.

one and done
fLAT feeS for
sharp people

Fee Formula Examples.

$300K = $3,000 or 1.0%

($250 + HST a month)

$750K = $7,500 or 1.0%

($625 + HST a month)

$900K = $9,000 or 1.0%

$900K to $2MIL = $9,000

($750 + HST a month)

$ 2MIL+ = $9,000 + 0.15%

Fee is a tax-deductible for

Non registered Accounts.

mutual funds
manager fees
plus trailers

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.

Why choose 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.