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Riad Assaf

Senior Portfolio ManagerSenior Investment Advisor

  • CFP®
  • CIM®
  • FCSI®

Tailored solutions in tune with your needs and the needs of those you care about

DIVIDEND INVESTING: A TIME-TESTED STRATEGY

The focus on Risk Management is one of the major cornerstones to the investment philosophy at TD, which helped protect our clients' portfolios especially during bad markets such as the technology-bubble induced crash of 2000 and the sub-prime mortgage induced "Great Recession" of 2008. As a Portfolio Manager with TD Wealth Private Investment Advice, Riad invests for his clients with the goal of achieving the best risk-adjusted rate of return, with risk management also being the cornerstone of his investment philosophy.

Riad has a very defined process of managing money. In addition to adhering to a strict discipline of investing in high quality dividend growth companies, Riad also takes advantage of market volatility, seasonality and market-moving events. Riad also has access to additional third-party research, which he pays for himself, in order to assist him in making informed portfolio management decisions.

" Riad has been my Advisor for the last 20 years. His philosophy has been consistent since day 1 …" Click here to read more


Riad constantly strives to be the best at what he does. Riad is a Senior Portfolio Manager and Investment Advisor with TD Wealth Private Investment Advice. Riad is a member of the Portfolio Manager Advisory Committee (PMAC) at TD Wealth since its formation, the goal of which is to work with senior management to review, enhance and deliver best practices for Portfolio Managers at TD Wealth. Riad is also proud of the fact that he was the first Investment Advisor to become a Portfolio Manager in the Edmonton office of TD Wealth, Private Investment Advice, again, driven by his need to continuously improve the service he provides to his clients. Those who know Riad know he works very hard and long hours to not only stay on top of the markets but to also anticipate industry leading trends. He's not embarrassed to admit that he's read annual reports for companies like McDonald's and Disney to his kids at bed time.


"After going through 6 different Investment Advisors throughout my lifetime who all seemed to be more focused on selling products versus understanding my retirement goals and objectives, I was introduced to Riad Assaf…" Click here to read more


Riad holds a Bachelor of Science Degree with Specialization in Mathematics and Finance from the University of Alberta and also has the following designations: Chartered Investment Manager (CIM), Certified Financial Planner (CFP), and the Fellow of Canadian Securities Institute (FCSI). In addition to these designations, Riad is also registered as a Portfolio Manager and has an options trading license.  He had also taught Investment Courses at NAIT (the Northern Alberta Institute of Technology).

Riad manages the following account types: Corporations, RSPs/RIFs/LIRAs/RIFs/LRIFs/LIFs, TFSAs, RESPs, RDSPs, Company Group RSPs, non-registered, Trusts, Municipalities, Charities, Endowments and Not-For-Profit. Although Riad's minimum account size can be high ($1Million), he is a firm believer in educating the youth, therefore his services are also extended to his clients' children and grandchildren, all under the same family pricing structure. Also, Riad will work with young professionals (doctors, lawyers, engineers, accountants and business owners) who do not initially meet his minimum account size but are committed to an ongoing and increasing investment plan. Riad is willing to set aside his high minimum account size requirement for the right client.

Riad prides himself on keeping helping his clients achieve their goals and grows his business mainly by referrals from satisfied clients, including clients from other provinces. He can provide plenty of testimonials upon request.

Riad is also a Life Insurance Advisor through TD Wealth Insurance Services.

Riad is a firm believer in community volunteering and volunteers his time with various charities.


SPECIALIZED INVESTMENT STRATEGIES: Riad is one of the few Advisors at TD Wealth Private Investment Advice that have the ability to offer the following specialized, but complicated, strategies:             

  • Professional portfolios - compliance strategy (see additional information below)
  • Executive stock portfolios - option strategies - Minimum account size $2MM (see additional information below)  
  • Sharia Compliant Investing (also known as Shariah Compliant Investing or Halal investing) is a subset of Socially Responsible and Ethical Investing. Investments are based on Islamic principles of the Muslim faith (see additional information below)

ADDITIONAL CONTACT

Toll Free: (855) 440-6695
Fax: (780) 448-8686
Branch Office: (780) 448-8280
Branch Fax: (780) 448-8962

EDUCATION

Bachelor of Science Specialization Degree (Mathematics and Finance) - University of Alberta

Additional Information


Professional portfolios - compliance strategy:

Some chartered accountants, lawyers and doctors that do work for large corporations may be prohibited from investing in those corporations. For example, chartered accountants who work for national accounting firms that audit publicly traded companies or doctors who participate in drug trials for pharmaceutical companies that are publicly traded. In these instances, these clients cannot invest in these companies for compliance and conflict of interest reasons. As a Portfolio Manager, Riad has the capability to manage portfolios for professionals like this while avoiding the restricted companies, which for some accountants can cover many companies.

Executive stock portfolios - option strategies:

Some corporate executives, through their company stock, end up being over-exposed or concentrated in that one stock and/or industry. Riad has the capability to manage these executives' portfolios while avoiding additional exposure to these stocks/industries. Also, in order to manage large company positions while avoiding potentially large tax gains, Riad is able to implement option strategies to convert large stock positions to an income generating position (without having to sell the stock). It is important to note that depending on specific client constraints, these strategies may not be allowed by the client's employer.

Halal investing - sharia compliant investment strategy:

Riad was approached by Muslim professionals back in 2004 to provide this unique service. Riad provides this strategy for muslim professionals who have a desire to have their money managed according to their islamic principles (halal investing).

Being able to construct a portfolio comprised of halal companies is just one step in a multi-step process. In addition to successfully structuring a compliant portfolio, an Advisor needs to be knowledgeable in this area. For instance, Riad will not invest in companies that may be considered compliant but do not meet his own strict testing (i.e. pays attention to the spirit of the law and not just the letter of the law).

This service is offered for retail and institutional investors.

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