Our Process

Risk Management

Almost every investment product involves a certain degree of risk. Risks can be reduced however by showing a preference for investments with significant collateral value, high yield, attractive tax benefits, etc. In other words, we do not simply consider how much we can make on an investment, but how we can reduce the risks in client portfolios.

Tax Minimization

One important part of our investment decisions is the after tax return. Each clients has a unique tax situation, whether they are generating income in retirement, selling a business, or simply earning a high salary. We provide individualized recommendations for all these needs.

Investment Outlook

Before we select any specific investments, we research and decide where we think the risks and opportunities are around the world for the next six months to two years. Each quarter we review and update our outlook to determine where we think the growth will be (geographically and by sector). This outlook is then taken into consideration as we select our investment themes and is available to all our clients through our quarterly newsletter.

Investment Themes

Once we have determined the investment themes, we narrow down the list of stocks, bonds, funds, ETFs, or strategies that we expect to outperform in the next six months to two years. We conduct research on these investments and, once completed, provide recommendations to our clients. Each quarter, we re-evaluate our themes and adjust them as necessary.

With Stelpstra and Associates, expect more from your advisor.

Our clients benefit from years of experience, a dedication to ongoing education, and a commitment to excellence in all that we do. Our services include:

• Individualized Financial Solutions

• Dynamic Investment Management

• Specialized Tax Minimization Strategies

• Managed Portfolio Accounts

• Family, Business and Estate Planning

• Insurance Products and Services

• Banking Services through Bank of Montreal