Integrated Wealth Management

We believe in taking the time to develop an individually-tailored plan that incorporates the full knowledge of your financial goals and assets and then pairing it with a tax efficient investment portfolio and other services that help you achieve your objectives. We assign a team of professionals from our related entities to work with you to meet your needs.

Integrated Wealth Management

Integrated Wealth Management

We believe in taking the time to develop an individually-tailored plan that incorporates the full knowledge of your financial goals and assets and then pairing it with a tax efficient investment portfolio and other services that help you achieve your objectives. We assign a team of professionals from our related entities to work with you to meet your needs.

Your Financial Needs Unified Under One Roof

Kerr understands the importance of having all your professional advice integrated – so strategies work together and not against each other – to achieve the greatest results. The best way to accomplish this is to have the same small group of experts and professionals handle all your financial needs under one roof. Our Integrated Wealth Management service offers our clients the combination of tax return preparation, investment management, and access to financial advice through our related group of companies. If your goal is to simplify administration of your financial needs, Kerr’s Integrated Investment Management Service will be your best fit.

Investment Management

Customized • Multi-manager • Fee-Only

Through our subsidiary, Kerr Financial Advisors Inc. (KFA), we offer Investment Management services using a customized multi-manager approach with access to leading institutional high-net worth managers. We are a fee-only firm and adhere to a long-term strategic approach to the stewardship of assets entrusted to us based on the following characteristics:

  • Experience: Over 25 years of experience managing portfolios for high-net-worth individuals and family offices

  • Customized: A customized approach to building your investment plan guided by our team’s knowledge of financial planning and taxes

  • Multi-manager approach: We provide coordinated access to select investment managers and incorporate a disciplined due diligence process in selecting managers and monitoring performance

  • Integration: Our investment team at KFA works closely with the financial advisors in our related companies to ensure your investment strategy is well-integrated with your family’s tax and financial planning situation and strategies to optimize your financial resources

Financial Planning Advice

Our Integrated Wealth Management service can include:

  • Tax Management: Tax estimates and instalment recommendations

  • Projections: Financial projections to help you assess the ability of your assets and to meet your needs and to periodically review savings or spending targets

  • Net Worth Updates: Net worth updates, including coordination of RRSP/TFSA/RESP/FHSA contributions as applicable

  • Tax Planning: Review of tax planning for the portfolio at year end

  • Financial Priorities: Identification of financial priorities & opportunities for you to consider including access to financial advice regarding questions that arise from time to time

  • Financial Planning: We help you develop a comprehensive plan for using your assets efficiently in retirement, ensuring that your wealth is managed and distributed sustainably to support your lifestyle and goals throughout your retirement years

Tax Return Preparation

Through our teams at Kerr Financial Consultants (KFC) and Kerr Financial Professional Corporation (KFP), our Integrated Wealth Management service can include preparation of Canadian income tax returns for you and your spouse and minor children. These are prepared in close consultation with your investment advisors atKerr Financial Advisors Inc (KFA). This allows us to use our deep knowledge of your situation to ensure completeness of your returns and tax deductions – and also affords us the opportunity of assessing tax planning opportunities as we finalize your returns. We include payment of tax balances from your accounts (if you wish) as well as all communication with the income tax authorities.

Other Services

Customized Services • Fee-Only • Putting our clients’ needs first

While our Integrated Wealth Management Service generally comprises Investment Management, Tax Return Preparation, and Access to Financial Advice, we do have the flexibility to adjust our services to best suit your specific needs. In some cases, our clients have requested additional support with other financial or estate planning needs or accounting and trust management services. Kerr Financial is willing to work with you and your family to provide the combination of services that best address your current needs and this would be clarified in your agreement.

Meet Our Team

Meet our qualified teams of professional advisors across our Toronto and Montreal offices and our related group of companies.

Contact Us

Discover how Kerr Financial’s range of services can help you achieve your financial goals.

Frequently Asked Questions

If you have a need for more comprehensive financial advice and have accumulated significant investment assets, Kerr Integrated may be right for you. We offer you a team of advisors working together to optimize your financial resources. The investment advisors at KFA offer a multi-manager investment approach, giving you access to pension-style managers that are typically not available elsewhere. And our teams work together to provide you with strategies that align with your investment, tax, and broader financial goals, ensuring all aspects of your financial plan work together seamlessly.

Kerr Financial is a fee only advisor, meaning that the only person who pays us is our client. We do not receive any other form of compensation in the way of commissions or trailers. We therefore provide objective advice, free from pre- conceived biases. We have a fiduciary responsibility to act in our clients’ best interests.

KFA has developed a sound- customized multi-manager approach to investment management built on many years of experience with high net worth and family office client portfolio management which gives you access to world class managers that combine to complement risk adjusted returns. KFC and KFP have depth of tax and financial planning knowledge and can bring this to your portfolio to ensure its most tax effective management. And we are a small boutique firm so we can provide you a highly customized approach and you will work with the same small team of advisors who know all aspects of your financial situation.
Having full knowledge of your family net worth and having done projections to understand your spending or savings targets, we are well positioned to help you make decisions about your ongoing income needs – Can you afford to give your kids a gift of capital? Can you make a major charitable donation – and how should you do this most tax effectively? Do you need to downsize the house in retirement and, if so, what can you afford as a replacement? How much can you withdraw regularly from the portfolio while still preserving sufficient capital? And, we can help you identify financial priorities and opportunities as they arise with changing circumstances, tax and economic environments.
Like other firms we look at your portfolio at year end to see if we should harvest tax losses to offset gains realized in the year. And we look at how to most tax effectively hold different asset classes between different family accounts depending on the tax attributes of each account. But with a greater knowledge of your tax situation we can go further. We identify the benefit of realizing losses to carry back to shelter capital gains realized in previous years. We harvest additional taxable income in years that it will help to utilize medical or charitable tax credits. We put in place appropriate income splitting strategies to lower your overall family tax bill. And we are attuned to the tax attributes of all aspects of your portfolio.
Kerr’s process is customized to your individual needs and informed by deep knowledge of financial planning and tax provided by a team of highly accredited individuals working together. Kerr uses an institutional due diligence process to select and monitor managers which gives you co-ordinated access to world class managers that pair well together to optimize risk adjusted returns. With our diversified professional team, we ensure that your investment strategy is well integrated with your family’s overall tax and planning situation to help optimize your overall financial resources.
The main benefit of our integrated service is the confidence it provides you of having your financial affairs looked after by one small team of professionals working closely together. We ensure that your tax and investment strategies are aligned – and you have one point of contact with professionals that know your overall situation. Specifically, the integrated service has a number of benefits. It allows ongoing financial planning that takes into account the full knowledge of your financial goals and resources; it allows us to ensure that your assets are most tax-effectively structured and managed; it ensures that you are selecting and managing the best investment professionals to meet your needs; and it helps facilitate the completion of accurate tax returns with minimal hassle on your part as many of the tax slips and information is already close at hand.

Designed to deliver essential financial guidance to next-generation clients in the wealth building phase

Offering personalized wealth management and family governance services to our most sophisticated families