David Charbonneau, CIM^®

Mission

We aim to provide our clients with full peace of mind regarding management of their wealth. To achieve this, we strive each day to fulfil their long-term financial goals, to remain transparent and to provide fast, precise service.

Investment Philosophy

At all times, our team seeks to diversify your capital and minimize risk. We do not engage in speculation.

We attach great importance to a portfolio’s structure and its diversification. Good asset allocation is a decisive factor in performance, as many studies show. We take account of the tax rules governing financial products to minimize the tax impact.

We believe a stock portfolio’s performance depends largely on the quality of the corporate securities it contains. We therefore favour solid companies with obvious competitive advantages, strong earnings and above-average long-term growth.

What sets us apart

We offer our clients a level of expertise matching the best in the industry as well as a flexible approach, aiming always for a balance between performance, low volatility, fee reduction and tax optimization.

Values

• Serving you as we would like to be served;
• Acting with transparency;
• Showing the greatest intellectual rigour;
• Remaining proactive in serving you and in seeking the best solutions;
• Despite our expertise, we believe in keeping investment choices simple.

Service Offer

• Asset and risk management
• Tax optimization of retirement income
• Retirement preparation
• Company cash and currency management
• Financial, tax or estate^{Footnote 1} planning

If required by your file, we collaborate with the specialists you have selected (accountants, tax specialists, legal advisors and others), or we mandate specialists from Desjardins.

We offer compensation plans to fit your needs and reduce costs, based on a formula of traditional commissions and/or asset-based fees.