Costs and investor protection

A transparent cost structure aligned with your interests

A successful long-term wealth management relationship is built on trust, transparency, and aligned interests.
At AltaFina, we are compensated exclusively by our clients. No investment commissions. No proprietary products.
No sales quotas. Our compensation structure is designed to minimize conflicts of interest and naturally align our interests with yours.

Our management fees are:

Agreed upon in advance
Clearly disclosed on your account statements
Charged monthly directly from your portfolio
Tiered based on assets under management (as your portfolio grows, the percentage fee decreases)

Insurance

Insurance is the only exception. In Canada, insurance products are generally not offered on a fee-based basis. Compensation is paid through commissions established by the insurance companies, not by AltaFina.

External professionals

When your situation requires the expertise of a notary, accountant, or tax professional, those professionals bill you directly for their services.

Value beyond fees

Investing is not free, and it’s entirely reasonable to pay for professional advice. What’s important is understanding what you’re paying for, why you’re paying for it, and the value you receive in return. The true value of wealth management cannot be measured by investment returns alone.

It should also be measured by:

Higher after-tax outcomes
A simpler financial life
Costly mistakes avoided
A well-coordinated long-term strategy
Greater peace of mind

Our fees are regularly benchmarked against comparable independent discretionary wealth management firms. Our goal is not to be the lowest-cost provider. It is to offer a fee structure that is transparent, competitive, and aligned with the value we deliver.

Professional qualifications, industry experience, and corporate independence all matter. So does the quality of the relationship. Thoughtful guidance, genuine accessibility, and decisions made exclusively in your best interest are equally important parts of the value we provide.

Over time, these factors can have a far greater impact on your financial success than a few additional percentage points of investment return.

Who we work best with

We intentionally limit the number of client relationships we take on so we can provide thoughtful, personalized advice while remaining readily available when important decisions arise.

Our approach is particularly well suited to investors who:

Are looking for a stable, long-term advisory relationship
Want to delegate day-to-day investment decisions while understanding the strategy behind them
Value a disciplined, evidence-based investment approach grounded in academic research

We typically work with individuals and families whose investable assets range from $500,000 to several million dollars, where coordinating investment, tax, retirement, and estate planning decisions becomes especially valuable.

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Compliance and regulation

Strong investor protections

To provide a comprehensive range of wealth management services under one roof, our team operates through two separate entities, each with distinct services and regulatory oversight.

AltaFina Wealth Management

AltaFina Wealth Management is a financial services firm registered with the Autorité des marchés financiers (AMF), Québec’s financial regulatory authority responsible for overseeing the province’s financial sector and protecting consumers of financial products and services.

We are registered to provide services in the following disciplines: Financial planning, Life and health insurance
Annuities.

PEAK Private Wealth

Our portfolio management services are provided through and supervised by PEAK Private Wealth Management, a division of PEAK Securities Inc. PEAK Securities Inc. is an independent full-service investment dealer and a member of the PEAK Financial Group. The Group oversees more than $19 billion in assets, making it Canada’s largest network of independent financial advisors.

PEAK Securities Inc. adheres to the highest standards of investor protection. It is registered with the Canadian Investment Regulatory Organization (CIRO) and is a member of the Canadian Investor Protection Fund (CIPF). As a result, your investment accounts benefit from the same regulatory protections as those held with investment dealers affiliated with Canada’s major banks.

Through CIRO registration, we are authorized to provide portfolio management services in Québec, Ontario, and New Brunswick.

Learn more about PEAK's investor protections

Reliable transaction oversight through institutional trading platforms
All client transactions submitted by advisors are processed by PEAK’s Operations Department through institutional trading platforms, ensuring complete transaction records and full traceability.

Easy access to your accounts and investment performance
PEAK provides clients with regular account statements, available both electronically and in print where applicable.
Clients also have secure online access to their account holdings, transactions, and investment activity at any time.

Independent, qualified custodians
Assets held in your PEAK investment accounts are safeguarded by qualified custodians that are independent of PEAK. These custodians are Canadian financial institutions, primarily located in Toronto, Ontario. PEAK maintains custody agreements with these institutions to ensure your cash and securities are held under account registrations that clearly establish your beneficial ownership. Current custodians include:

Cash — Toronto-Dominion Bank for non-registered accounts and Canada Trust Company for registered accounts. Cash balances are eligible for protection by the Canada Deposit Insurance Corporation (CDIC), subject to applicable limits.
Securities — Fidelity Clearing Canada ULC.
Investment funds (mutual funds) — Please refer to the applicable fund prospectus under the Organization of the Fund section.

Independent annual audit
PEAK’s books and records are audited annually by the independent accounting firm PricewaterhouseCoopers (PwC).

Thorough advisor due diligence
Before an advisor joins PEAK, the firm’s Compliance Department conducts a comprehensive review of the candidate’s background. This review includes extensive screening procedures, including verification of professional history and credit background. For more information about the registration status of advisors regulated by the Canadian Investment Regulatory Organization (CIRO), please consult CIRO’s AdvisorReport.

Ongoing regulatory oversight
PEAK’s Compliance Department continuously monitors compliance with all applicable securities regulations, industry rules, and the firm’s internal policies and procedures. The department also develops compliance tools, including the client profile process, to help advisors gain a thorough understanding of each client’s investment objectives, financial circumstances, and risk tolerance.

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