PENSIONIZE ME EXPRESS SERVICE
Why Try the Engine ?
Converting RRSP to RRIF ?
Pass Go, Collect Real Advice
Plus Some Spectacular Savings.
Get on Firmer Ground. Apply my
Elementary DIY Pension Method.
SEE WHAT I DO. PLAY VIDEO ABOVE.
read WHAT MY ClientS SAY below.
HOW TO KEEP YOUR
NET WORTH & BOOST REGISTERED INCOME.
WHY AGE IS NOT THE
KEY NUMBER TO KNOW
Retirement may be something you planning for. Or you may already be there. In both cases, you need to know if your investments will last for your life expectancy. In other words, are you Retirement Ready Or Not (RRON)?
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 (PMWS) answers these questions, then puts a strategy in place to get as close as possible to meeting your goals, while minimizing taxes.
AND HOW WE APPLY IT
- Identify & Avoid Wealth Transfers.
- Put you in Control of your Capital.
- Present and explain the Strategy.
- Adapt if needed.
REALITY OF RETIREMENT
LIFE AND OUR STRATEGY.
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) and Exchange Traded Funds (ETFs) to attempt to develop a sustainable tax efficient income stream. In essence, a Pension Plan.
MethodS we know & apply
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
who we serve,
what i do not do & why it's all about you.
You may be planning for retirement, or you may already be there. Regardless, you should know if your investments will last for your life expectancy.
In other words, are you Retirement Ready Or Not (RRON)?
Contact me. Let us have a look and find out.
a few things to know About Me
PensionizeMe Wealth Services (PMWS) conducts its advisory business on the independent integrated platform of Aligned Capital Partners Inc (ACPI).
Ray Dragunas is a Senior Portfolio Manager and veteran of the Investment industry with over 25 years of experience servicing the wealth management needs of some of Canada’s wealthiest families.
START YOURSELF UP.
STOP WASTING TIME.
PASS GO AND COLLECT
REAL YIELD BOOST AND
mers & trailers.
Mutual funds are a great vehicle to get you started on the road to saving for your future. Mutual fund fees vary greatly between the type (equity vs bond) and “class” of fund.
Morningstar conducted a study and found that Canadians pay some of the highest fees globally for funds. The median for allocation funds came in at 1.94% and 1.98% for equity funds.
$250,000 @ 1.94% = $4,850
$400,000 @ 1.94% = $7,760
$500,000 @ 1.94% = $9,700
$1M managed = $19,400
Fees charged by mutual fund companies are not tax deductible for any type of account.
Traditional Investment Counselling firms charge fees as a percentage of assets, and fees vary from manager to manager.
Commissions may also be charged in addition to the management fee.
The following is a sample of what a sliding fee schedule will look like and could be subject to 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.
LOW FLAT FEE. FOR SHARP INVESTORs.
PensionizeMe prides itself on
simplicity and fee transparency.
Our fees are 1.00% of Assets
managed, with a minimum fee of
$3,500 plus HST and a hard ceiling
set at $7,500 Flat.
Cost of trades is 15.00 plus HST
PMWS does not make money on trading commissions we charge.
$250K = $3,500 or 1.4%
$400K = $4,000 or 1.0%
$500K = $5,000 or 1.0%
$750K = $7,500 or 1.0%
$ 750 000.00 +
$7,500 Flat Fee
4 Sharp People
Net of HST if applicable. Tax Deductible in non-registered Canadian Investment Accounts.
How do you do it?
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 leverages technology throughout the client experience. From client onboarding, reporting, managing accounts to using screening tools in our investment process.
5 SIMPLE STEPS TO NET INCOME INDEPENDENCE
1. dETECT. DEDUCe and reduce your 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. Bring L.U.C.K. to your money
Gaining control of your money is more than balancing the cheque book. Imagine knowing how each part of your strategy has your money working for you. The corner stone is being able to access your money on your terms. Not someone else’s. 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. fine tuning and Presenting your
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.
5. Rules Based Investing
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.
guides & digests
Volatility shows another side to ETFs
During these unprecedented times, industry experts turn to investment vehicle for another indicator...
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 AN INTEGRATED ADVISORY BUSINESS MODEL IS A WIN-WIN FOR RETIREMENT PRACTITIONERS
Why people change advisors and why would you short list us as a possible choice? What are the advantages of working with us? Here are five reasons to consider:
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.