Nicola Wealth’s values and philosophy are the cornerstones of our approach to integrated wealth management.
JOHN NICOLA, CHAIRMAN & CEO
Add a little bit of improvement every year to what you’ve built as a base – with solid foundations and the right principles, the compound effect is amazing
Our Fiduciary Duty
At Nicola Wealth, we hold ourselves accountable to the highest standard of a fiduciary – one who is entrusted to manage and protect our clients’ investments and best interests.
We place our clients’ interests above our own, dealing fairly, honestly, and in good faith. Our advisors are bound to it through the CIM and CFA designation codes of conduct and our firm adheres to it as part of the B.C. Securities Act.
When all is said and done, however, it goes beyond any legal or moral obligation – it’s simply the right thing to do.
We moved beyond the traditional approach by taking into account all aspects of your financial picture and examining how they work together to reduce tax and increase investment returns.
In building well-diversified, cash-flowing portfolios, we maintain a high standard, focusing on high-quality, well-run companies.
As a signatory of the United Nations’ Principles for Responsible Investment (UNPRI), Nicola Wealth uses environmental, social, and corporate governance (ESG) principles as part of our investment analysis and decision-making process as a way to identify factors that may impact an investment’s ability to perform for our clients.
Beyond Stocks and Bonds
Our institutional approach to investing offers a broad range of diversified investments that generate stable cash flow with less volatility than a typical "stocks and bonds" portfolio.
Cash Flow Investing
Our investment philosophy doesn’t rely solely on price appreciation. Cash flow investing delivers accelerated wealth building while assuring flexibility to rebalance, protection from market volatility, and peace of mind that you’re earning a sustainable income.
Broad Asset Allocation
Typical asset allocation is often defined as a portfolio with 60% in equities and 40% in bonds, and further diversified by industry, sector or geography. In our view, however, most investors are not truly diversified with this typical model. Our broader approach includes investment-grade hard asset real estate, private equity, private debt, commercial mortgages, and other alternative strategies.
Nicola Asset Allocation Mix (Balanced Portfolio)
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- Real Estate
- Preferred Shares
- Canadian Equity
- Nicola Core Portfolio Fund
- Foreign Equities
- Foreign Bonds
- High Yield Bonds
- Alternative Strategies
- Private Equity
- Private Debt
Proper wealth planning begins with understanding your current situation, identifying your goals and objectives, and developing a road map for the future to be revisited regularly and adjusted as needed.
Create the Profile
- Net Worth
- Current Situation
- Goals & Objectives
- Income Needs
- Financial Structure (personal, family, corporate, etc.)
Craft the Plan
- Retirement Planning
- Tax Planning
- Investment Management
- Insurance Planning
- Business Planning
- Charitable Giving
- Estate Planning
Implement, Review, Adjust
- Implement Strategies
- Measure & Monitor
- Make Necessary Adjustments
Fee Based Compensation
As a fee-based private wealth management firm, the value we offer entails more than just investment advice. Our advice is a result of deep relationships, holistic planning, and our commitment to a high level of service. We focus on providing a superior wealth management experience by creating a sophisticated plan that brings all the disparate parts of your financial life together.
Investment Management Fees
We offer completely fee-based accounts using the following schedule:
Assets Under $20 million
- 1.25% on the first $1-million
- 1.00% on the next $1-million
- 0.75% on the next $2-million
- 0.50% on amounts over $4-million
Assets Over $20 million
- On the first $20 million 0.50%
- On the next $20 million 0.45%
- On the next $20 million 0.40%
- Balance above $60 million 0.35%
In addition to the administrative fee paid by each Nicola Wealth fund to cover fund operating expenses, the funds also pay the fund manager a management fee. Our LP’s pay all operating expenses directly, and pay the manager a fee. The general partner and manager of Nicola Canadian Real Estate LP / US LP / Value Add are owned in part by Nicola Wealth, which receives income from these holdings.We receive industry-mandated compensation from insurance carriers when implementing risk management strategies. Financial planning services are not available in Quebec.