Secure your retirement dreams smartly.
Financial goals such as saving for your children’s education or your eventual retirement require appropriate investment strategies. Investments should be made early so your assets have more time to grow for more financial security.
We set our Clients on a path of financial security based on stable, sound, long-term investing. MDL Financial has over 30 years of experience building retirement portfolios that have stood the test of time.
MDL Financial’s sound approach to investing focuses on minimizing investment risk while ensuring long-term returns. We concentrate on sectors, funds, and large companies that can withstand market turbulence while returning growth and regular dividends. Dividend income ensures that your portfolio grows over time, even through adjustments in the stock market. Our investment approach leans heavily on low-risk investments such as segregated funds, GICs, or blue chip dividend stocks. As well, we can build a low-cost ETF portfolio for you based on your tolerance for risk.
Whether you are saving for retirement or progressing toward other life goals, we will build a portfolio with mixed asset types to balance portfolio risk, offer steady performance, and mitigate volatility. We diversify portfolios across asset types, sectors, and geographical markets to minimize market risk. We will periodically adjust your portfolio’s asset profile to ensure it performs optimally.
With each Client, we first start with our Client’s life goals. We ask about the purpose of the investment before we open the account. Is it to save for retirement? Is it to save for an investment property or to open a business? With the Client’s goal top of mind, we begin our financial planning. At MDL, investing success comes down to planning. And we ensure a Client’s investment strategy aligns perfectly with their overall financial plan.
We stay on track by regularly monitoring progress to our Client’s goals so that we can make timely course corrections as needed. By investing with a purpose, we monitor performance to know that we are moving the needle toward your wealth goals.
Investment management fees
For those looking for a white glove service, we offer a comprehensive investment strategy that will integrate into a cash flow, tax, and retirement plan we develop with you as a team. This will include ongoing reviews, investment advice, and financial planning. There is a graduated annual fee depending on the amount invested.
- First $1 million is 1%
- Next $1 million – $5 million is .8%
- Next $5 million – 10 million is .6%
- Customized pricing available for accounts $10 million and up
Additionally there are product costs of:
- Actively managed portfolios (i.e. investment counsellors, mutual funds, segregated funds) have embedded fees that typically range from .4% to 1%
- ETFs range from .05% to .85%
- GICs and annuities do not have embedded management fees. A sales commission is factored into the yield of the product
