Your wealth is more than investment returns. Comprehensive wealth management takes a bigger picture approach that integrates your personal mix of investments, taxes, estate, insurance, and legacy.

Individuals & Families

Breaking the Million-Dollar Myth: Why Financial Independence for Women Looks Different in 2025

Corporate Charitable Giving: Your Most Generous Asset?

Talking to your children about money

Five Ways to Talk to Your Children About Money

From Startups to Buyouts: Navigating Risk and Return Across the Private Equity Spectrum

People First, Profit Follows: Building a Legacy of Generosity

The Myth  of the Disciplined Investor

We identify gaps and capitalize on opportunities that can maximize your financial plan.

How We Help Families

Creating and maintaining a sound financial plan involves a detailed review of your entire financial picture and proactive recognition of your evolving needs.  At Nicola Wealth, we believe the ability to build wealth is a result of diligent implementation of this comprehensive plan in combination with identifying wealth building efficiencies and opportunities.

Growing your wealth

A Nicola Wealth Advisor’s thorough knowledge of your current situation and your expectations allows us to identify ideal planning opportunities. From taxation and insurance to investing and philanthropy, we integrate and maximize your plan while ensuring your values and financial interests are fully aligned.

Integrating your finances

Building and maintaining your plan is important; however, ensuring that plan works beyond your lifetime is just as significant. Our rigorous process considers tax-effectiveness, using oversight of your plan to design an estate that is clear and intentional for your family and loved ones.

Securing your legacy

Implementing and managing your plan requires strong communication and leadership. We collaborate with you and your trusted advisors, such as accountants and lawyers, to ensure, on your behalf, that there is alignment on your objectives and planning structure.

Leading the plan

Comprehensive, integrated planning.

Our proprietary tools help map your savings strategy to save taxes today and maximize after-tax cash flows during retirement.

Retirement Modeling

Analyze corporate structures to optimize after-tax compensation and wealth accumulation.

Corporate Planning

Full examination of your tax planning opportunities to identify and implement strategies that maximize after-tax savings.

Tax Planning

Plan, design, and diagram your estate wishes to establish a tax-efficient transfer of wealth and clarity for your family.

Estate Planning

Maximize the impact of your charitable giving for today and as part of your legacy, while properly planning and utilizing tax benefits.

Charitable Giving

Integrated Strategies

Wealth management is more than investment returns. With the right financial plan in place, you should have clarity around critical questions that impact your wealth and legacy.

Creating and maintaining a solid financial plan involves a detailed review of your entire financial picture and recognition of your evolving needs. With that as a foundation, our comprehensive planning process can begin to identify wealth-building efficiencies and opportunities.&nbsp;
When growing your wealth, here are a few questions to consider:
<ul>
 <li>Have you had a comprehensive financial plan prepared or updated within the past five years?</li>
 <li>Do you know your current asset allocation and your risk tolerance?</li>
 <li>Do you know the rate of return you are earning on assets after fees?</li>
 <li>Do you know how much capital you will require to meet your retirement goals?</li>
 <li>Have you reviewed the tax efficiency of your compensation structure?</li>
 <li>Are you income-splitting as effectively as you can to reduce taxes?</li>
 <li>Have you calculated the additional tax credits with an IPP vs an RRSP?</li>
 <li>How much time and money are you spending on the preparation of investment tax returns?</li>
</ul>

In addition to growing your wealth, it is important to mitigate against market volatility. Our cash flow investment philosophy and diversified asset mix have historically provided consistent and stable returns.
Our Nicola Wealth Advisors have the expertise to construct a comprehensive financial plan that safeguards your portfolio by developing an in-depth understanding of your current situation and expectations. We will work in tandem with you and your team of professionals, including accountants and lawyers, to provide integrated planning.
When protecting your wealth, consider the following questions:
<ul>
 <li>Are your investments generating enough income and cash flow to meet your needs?</li>
 <li>Are you reducing potential volatility by investing in securities that are non-correlated with the public markets, such as real estate or private equity?</li>
 <li>Is your insurance positioned as an asset class and integrated with your investment strategy?</li>
 <li>Have you reviewed loans and mortgages to reduce interest costs and determine whether these costs may be tax deductible?</li>
 <li>Is your income protected in case injury affects you during your earning years?</li>
 <li>Have you considered the potential costs of future health care?</li>
 <li>Is your plan being regularly reviewed and adjusted to ensure you are on track to meet your goals?</li>
</ul>

Protecting your wealth

Creating a financial plan may be your first priority. However, ensuring your plan works beyond your lifetime is just as significant. You have worked hard to build wealth; estate planning helps ensure your loved ones are provided for and your wishes are honoured and appropriately followed.
For many of our clients, creating a legacy and financially supporting the causes that matter to them is a key planning objective. Through our <a href="https://nicolawealth.com/private-giving-foundation" target="_blank" rel="noopener">Nicola Wealth Private Giving Foundation</a>, we offer our clients a more effective way to give, focusing on tax efficiency, cash-flowing investments, and giving in perpetuity.
Here are a few questions to consider when creating your legacy:
<ul>
 <li>Do you have a succession plan in place?</li>
 <li>Are your beneficiaries prepared to manage this wealth?</li>
 <li>How will you minimize the financial impact of your passing?</li>
 <li>Are you set up to significantly reduce or potentially eliminate tax liability upon death?</li>
 <li>How will you create your legacy?</li>
 <li>How will your philanthropic initiatives continue?</li>
 <li>At present, are you able to make your charitable gifts in-kind?</li>
 <li>Are you planning to continue donating in retirement?</li>
</ul>

Creating your legacy

Build a solid financial plan with us.

Nicola Family was created on the knowledge that managing wealth is more than just managing money: it’s working in meaningful relationships where families can share their hopes, and also their fears; it’s about finding individual fulfillment, and also contributing to a better future for our country.

A unique service offering for families with $20M+ in investable assets

We have direct access and co-investments in private opportunities as a result of established relationships with our network of partners.

Private Capital

With properties across Canada and the U.S., we utilize disciplined criteria to source historically consistent and stable income-producing assets.

Real Estate

Our focus is on owning the highest calibre companies globally as part of a professionally-constructed and well-diversified portfolio.

Public Assets

To minimize the inevitable ups and downs that come with a reliance on the stock market, our conservative yet forward-thinking approach to investing includes public assets as well as alternative asset classes such as private capital and real estate.

Our Assets

In seven minutes they built an interactive model before our eyes on the screen. We were able to look at what our future looked like. It was just magnificent. It was eye-opening.

It’s really the plan they've established for us, and the plan is complete. We know what to expect. The cash flow is going to be well-managed with excellent investments, but they’re also tax efficient.

What our clients say

The Nicola Wealth Private Giving Foundation provides the opportunity to establish a donor advised fund, offering a personalized giving experience that aligns your philanthropic goals with your financial and tax planning strategy.

Integrate your charitable giving

Our advice encompasses deep relationships that go beyond investment recommendations.  We strive to provide a wealth management experience that focuses on holistic planning and results in a fully integrated plan that brings together all the disparate parts of your financial life.

Fee-Based Advice

Planning Insights

Experience how we uncover opportunities that can maximize your wealth planning and legacy.

Build your legacy

Please select your country of residence to learn more about our services and investment strategies

The content of this site is intended for U.S. residents. Please note that Nicola Wealth investments funds are generally not offered to U.S. residents at the present time. As such, the contents of this website should not be construed as as an offer of any of Nicola Wealth’s investments funds to U.S. residents. Any information, statement or opinion set forth herein is general in nature, is not directed to or based on the financial situation or needs of any particular investor, and does not constitute, and should not be construed as, investment advice, forecast of future events, a guarantee of future results, or a recommendation with respect to any particular security or investment strategy or type of retirement account. Investors seeking financial advice regarding the appropriateness of investing in any securities or investment strategies should consult their financial professional.

Before proceeding, please confirm if you are an accredited investor by checking the box above. Accredited investors are individuals with a net worth of more than $1 million, excluding the value of their primary residence, or individuals with income of more than $200,000 (or joint income of $300,000 for married couples) per year for the past two years, with a reasonable expectation that such income levels will be attained in the current year.
 
Accredited investors also include certain institutions, including U.S. banks and U.S. branches of foreign banks, U.S. savings and loans associations, U.S. insurance companies, U.S. registered brokers and dealers, U.S. registered investment companies and business development companies (as defined by the U.S. Investment Company Act of 1940).
 
Additionally, certain state pension funds and ERISA plans with more than $5 million total assets and certain partnerships, corporations, and trusts with more than $5 million total assets are also considered.


I hereby certify that I am an accredited investor or that I am an authorized representative of an accredited investor