Integrated Investment Management
Your portfolio should work with your tax, cash flow and estate plan, not alongside it.
Portfolio Oversight & Alignment
Managing wealth takes more than picking funds. Your investments need to work with your tax, cash flow and estate planning.
We partner with a registered third-party Portfolio Manager (PM) who handles the investment management, while we provide strategic oversight to keep your portfolio aligned with your Personal Roadmap or Corporate Blueprint. Fabien Wealth does not directly manage or trade client assets.
Best for: Canadian investors with $100K+ in investable assets who want professional investment management paired with personal or corporate planning. For incorporated owners, this can include investments held inside your corporation.
Accounts & Structures Supported
Whether you are building personal net worth, planning for retirement, or managing surplus corporate liquidity, we integrate all your account structures under one unified investment strategy.
Tax-Free Savings Account (TFSA)
Registered Retirement Savings Plan (RRSP & Spousal RRSP)
First Home Savings Account (FHSA)
Registered Education Savings Plan (RESP)
Locked-in Retirement Account (LIRA / LRSP)
Non-Registered (Taxable) Individual & Joint Accounts
Corporate Non-Registered Investment Accounts (OpCo / HoldCo)
What You Get
Professional Portfolio Management: A registered third-party Portfolio Manager builds and manages a globally diversified portfolio for you, using low-cost passive, actively managed, or blended approaches to suit your goals.
Tax-Aware Investing: Tax-efficient strategies from your PM, coordinated with our planning on which accounts hold which investments.
Strategic Oversight: Regular account reviews to keep your portfolio aligned with your long-term plan as markets and tax rules change.
Integrated Planning Access: Your planning deliverables, a Personal Roadmap or Corporate Blueprint, are coordinated alongside your portfolio.
Digital Access: View your portfolio online, which suits our fully virtual model.
Blended Model
When you use our Integrated Portfolio Strategy ($100K+ minimum), your advisory fee is charged through your portfolio and credited toward your financial planning fee:
$100K – $249K Investable Assets: The advisory fee charged through your portfolio is credited against your initial roadmap, blueprint or monthly retainer, reducing what you pay directly.
$250K+ Investable Assets: The advisory fee charged through your portfolio covers your annual planning fee, so there’s no separate planning invoice. Full access to all planning deliverables is included.
Total Investment Cost Structure
The total cost of your investment strategy combines the Advisory Fee (paid to Fabien Wealth) and the PM Fee (paid to the Portfolio Manager), billed monthly in arrears based on assets under management.
| Assets Under Management | Advisory Fee | PM Fee | Total Fee |
|---|---|---|---|
| First $250,000 | 1.00% | 0.50% | 1.50% |
| $250K to $500K | 1.00% | 0.40% | 1.40% |
| $500K to $1,000,000 | 0.75% | 0.40% | 1.15% |
| $1M to $2,000,000 | 0.75% | 0.30% | 1.05% |
| $2M to $5,000,000 | 0.50% | 0.30% | 0.80% |
*Advisory and portfolio management fees are calculated on tiered account balances and deducted directly from your investment accounts. Underlying ETF product costs (MERs) apply separately. Final fee structures are confirmed in writing prior to account setup. Tiered pricing available above $5,000,000 upon request.
Ready To Align Your Investments With Your Plan?
Let’s start with a conversation.
No pressure, no jargon, just a clear path forward.