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I believe that the only certain thing is uncertainty. I head up a team of financial professionals with experience in several segments of the financial services industry. Together, we work on preparing for the unexpected and coaching our clients through financial decisions.
Although investment management is at the core of what we do, our offering goes well beyond it. We achieve this by working closely with a team of TD specialists to help simplify several matters for our clients, such as:
· Transitioning a business; · Minimizing taxes; · Passing on wealth; · And ensuring that family members are properly taken care of.
Applying singular approaches, we assist you in achieving an integrated financial structure and provide you with investment solutions that are consistent with your intricate situation and the financial market outlook.
What our clients say about us:
Investment Methodology
Our approach to building investment portfolios is based on the following core convictions:
We invest in our highest persuasion ideas for each asset class;
We are committed to long term valuable companies at attractive prices;
We believe that alternative investments should be a part of every portfolio.
We develop strategies based on your vision for the future
Over the past decade, the financial environment has created a challenging landscape for investors. Many of the investment strategies that have worked so well for the past thirty years are less likely to be effective going forward.
The key risk is that portfolio returns result in a shortfall. Fixed income products, equity markets have become increasingly volatile, and global financial issues are numerous and highly interconnected. In this new environment, traditional 60/40 portfolios and traditional market benchmark indices are becoming less and less relevant as most investors’ objectives involve absolute return requirements, while ignoring relative performance.
It is important to recognize that, while traditional asset-class diversification strategies may help investors reduce volatility in normal market conditions; they generally struggle during extreme events, when asset-class correlations increase. These correlations increase due in large part to the fact that inside every asset class and security are multiple shared risk factors, which can be thought of as the DNA of a portfolio. To read more...
Barrette and Associates Wealth Management is a part of TD Wealth Private Investment Advice, a division of TD Waterhouse Canada Inc. which is a subsidiary of The Toronto-Dominion Bank.
At TD Wealth Private Wealth Management, we believe in taking the time to discover what truly matters to you. You'll have access to a team of the most integrated specialists in the industry who will get to know what's important to you before getting to your numbers. It's private wealth management redefined, brought to you by one of the largest private wealth service providers in Canada.
Ioana has several years of experience in the financial industry. She oversees the operational and administrative side of our business and performs a very wide range of responsibilities.
Ioana is a Chartered Financial Analyst® (CFA®) Charterholder, and also holds a Master's degree in Financial Mathematics, and undergraduate degrees in Economics and Mathematics from Concordia University.
Her analytical skills and ''can do'' attitude lead to personalized advice and attentive service. Ioana keeps everything flowing, puts out fires, ensures nothing falls through the cracks and contributes meaningfully to the team's success.
Away from work, Ioana is most passionate about challenging herself, traveling, discovering and learning new things.
Olivier is the newest member to join our team, having just recently graduated from Concordia University - John Molson School of Business. While studying, he was working in sales for Tiffany & Co as a diamond specialist and client advisor.
Olivier completed his undergraduate degree from JMSB, majoring in finance, in the Winter of 2022. In addition of completing his CSC earlier this year, he passed his CFA® level I in August 2021 and is a 2023 CFA® level II candidate.
Outside of work, Olivier enjoys golf, hockey, triathlon, and Muay Thai. Other than sports, he enjoys learning new things and is very inquisitive and intellectually curious.
Effective banking and credit management helps to organize your day-to-day financial needs in a way that may save you time and money.
Retirement Planning
Retirement planning is an ongoing process that helps you prepare for the years leading up to retirement and throughout what can be one of the most rewarding phases of your life.
Tax management involves arranging your financial affairs in a way that may reduce your overall tax burden by identifying opportunities to utilize available tax incentives.
An Estate plan, along with an up-to-date Will, helps you to provide for the family members, friends and charitable organizations that you want to benefit from your estate and sees to it that your wishes are carried out as you intended.
Planning for the cost of education is a process that can help provide your children and grandchildren with the opportunity to pursue the education and training they need to start their own careers and businesses.
Business succession planning is the process of understanding your personal and business goals and preparing your business for the future transfer of ownership and management to your chosen successor.
Planning for Major Purchases
Planning for major purchases may help you accumulate those items you want now and in the future with the least potential cost of borrowing.
A charitable giving plan identifies the most effective way to share your wealth with your chosen charities. By selecting the right method of contribution you may maximize the amount of money the charity will receive from you.
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Your High Net Worth Planner of the Wealth Advisory Services team will work with you and your other professional advisors, when appropriate, to develop comprehensive wealth strategies based on a number of wealth considerations. Among them: creating retirement income streams, estate planning, business and insurance considerations, transitioning your business, accessing sophisticated credit solutions, tax planning and philanthropic planning.
François Desmarais
Tax and Estate Planner
The Tax and Estate Planner of the Wealth Advisory Services team applies expertise in estate, trust and tax planning to assist you in developing an estate plan that reflects your personal choices for the future, and the legacy you will leave behind. To help manage your responsibilities, we can work with other TD specialists and external subject matter experts to help identify issues and properly structure your estate in a tax effective manner.
Market Commentary
Build your understanding of investment concepts and stay current with ongoing market trends. Choose from a variety of helpful daily, monthly, and quarterly newsletters and resources.
advisors.td.com/lp.barrette
U.S. economy: Signs of resilience help to ease recession worries
While markets brace for a possible U.S. recession, there are signs of optimism. Thomas Feltmate, Senior Economist at TD, tells Greg Bonnell that resilience in both employment and consumer spending may be indication of a less gloomy outlook than previously expected.
Money Talk
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Money Talk Life
Life: your family, money, job, home -- we help you connect the dots.
Planning a winning RRIF strategy
If you're gearing up to retire in the next few years, you might start thinking about your various income sources. Converting your Registered Retirement Savings Plan (RRSP) to a Registered Retirement Income Fund (RRIF) is just one part of the retirement planning puzzle. Georgia Swan, Tax and Estate Planner with TD Wealth, speaks with Greg Bonnell about what to consider when drawing down your RRIF.
TD Economics
The analysis covers the globe, with emphasis on Canada, the United States, Europe and Asia
Monthly Perspectives: Institution Evolution
If you’re looking for proof of resilience and adaptability in the face of historic change, look no further than the TD Wealth Annual Investment Strategy Conference.
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