Investment Philosophy

Greater Return with Less Risk

Institutional style investment strategies

Goals

Our investment philosophy starts with planning not products. First, we work with our clients to clarify their challenges and goals and assess their current situation. From that point, we take a risk-based approach to build a custom investment strategy that is both tax-optimized and integrated with the other areas of their financial life to help clients achieve their goals in an efficient and effective process.

Risk

We view risk for our clients in two ways:

1. Risk of a client not achieving their financial goals, and thus not being able to live the life they want.
2. A client’s investment risk tolerance and risk capacity, which are used to determine the appropriate global asset allocation for their investment portfolio.

Do you want to retire earlier and have more income in retirement so you can live the life you want?

Our proven financial system and exclusive strategies are the key.

Results Commitment

We can help you preserve and grow your investments in any market condition with our proven financial system and exclusive strategies.

100% refund of our advisory fee if you don’t make money.¹

Profitability

The most profitable companies have a history of generating greater returns. Cash flow is important for future growth and dividends.

Value

Value companies have a history of generating greater returns over growth companies. Great companies purchased at a fair price increases the odds of success and helps protects capital.

Financial Strength

A strong balance sheet and responsible use of debt helps promote sustainability and growth. Companies that have demonstrated consistent financial management have been rewarded.

Diversification

Investing in different industry sectors, different countries, and different asset classes helps increase returns by investing in different areas that react differently to the same event. For the same reason, this also helps decreases risk.

Traditional Approach

2 Asset Classes

(illustration purposes only)

Challenges and Risks

• Market correction resulting in you losing your wealth.
  By investing in only 2 asset classes you are exposed to the risk that if anything happens to 1 of them, you could have a major impact to your financial future.

• Not getting the returns and growth you need to achieve your goals and live the life you want.
  With a low interest rate environment, many typical lower risk investments like bonds may barely provide any real returns after inflation.

Note: Mutual funds and exchange traded funds (ETFs) are mainly a wrapper for these 2 types of asset classes.

M|R|G Portfolios

Multiple Asset Classes

(illustration purposes only)

Benefits

• Return
  Investing in multiple asset classes could help you realize the investment return you require to achieve your goals.

• Risk
  Investing in non-market correlated asset classes could help you reduce your risk, preserve your capital, and grow your wealth even when the equity and bond markets decline.

What are successful institutions and high net-worth individuals doing?

Yale

(Yale 2018/2019 Financial Statements)

High Net-Worth Individuals

(Tiger 21 Members Q1 2020 Asset Allocation)

Canada Pension Plan (CPP)

(CPP 2019 Annual Report)

Client Success Process

Simplified Steps

Discovery

2nd Meeting

It is important to understand where you want to go and why you want to go there so we can work together to build an effective and efficient strategy to get you there.  We will discuss your value/goals/challenges, review your current financial state for vulnerabilities and opportunities, discuss our investment philosophy and approach, and build a roadmap of next steps to help you achieve your goals.  After these 2 meetings, you will have the information you need to make an informed decision on becoming a client.

Get Started – Become A Client

1. Review and sign our client engagement agreement to become a client.
2. We will go through the simple digital process to transfer your investments over to National Bank, review and sign secure electronic documents via Docusign.
3. As your investments are transferred over from your previous institution, we will start the financial planning process.
4. Your investments often remain as-is (just move from your previous institution to National Bank to show commitment as a client) until after we discuss your strategic financial plan together in your Wealth Strategy meeting and then implement your custom investment strategy after planning.

Wealth Strategy

3rd Meeting

Based on your values and goals, we work together to build you an integrated wealth strategy tailored to your specific situation and designed to help you achieve your goals.  We will discuss your proposed wealth strategy, make updates as required, and ensure you understand all components including the value and simplified next steps to implement.  It is often after planning and this strategy meeting when we will implement your new investment strategy agreed upon.

Review & Update

4th+ Meetings

A key to success is continually monitoring and adjusting your wealth strategy based on life, economic, and political changes. Through regular communication and updates, we help you stay on track to achieve your goals regardless of what curve balls life may throw your way.

Aligned Capital Partners Inc. is an independent investment dealer providing investment advisor licensing through the Investment Industry Regulatory Organization of Canada (IIROC).

For your security and convenience, your investments are held at one of Canada’s largest banks. With over 25 years of service and a team of more than 200 professionals, National Bank Independent Network is Canada’s leading provider of custody, trade execution and brokerage solutions to independent Portfolio Managers and Investment Dealers.

Aligned Capital Partners Inc. is a member of the Canadian Investor Protection Fund (www.CIPF.ca) and the Investment Industry Regulatory Organization of Canada (www.IIROC.ca). All non-securities related business conducted by MRG Wealth Management is not covered by the Canadian Investor Protection Fund (CIPF). Non-securities related business includes, without limitation, advising in or selling any type of insurance product, mortgage service, and/or tax return preparation service. Accordingly, ACPI is not liable and/or responsible for any non-securities related business conducted by MRG Wealth Management, and all such non-securities related business is the responsibility of MRG Wealth Management alone.

¹Need to sign a refund agreement for terms to be effective.  Qualifying investments need to be invested for a full calendar year from January 1 to December 31 in the MRG Alternative Portfolio.  Other investments outside of that portfolio do not qualify for refund.  If the return on the qualified investment made on January 1 is not positive when reviewing annual results to December 31, then we will refund 100% of the annual advisory fee paid to Aligned Capital Partners Inc. that year for those qualified investments.