Marc Desaulniers, BBA, FCSI^®, CIM^®, FMA

Mission

To guide and support you in managing your wealth using a simple, comprehensive approach to achieve financial balance and give you peace of mind.

To be attentive to your needs and expectations and make personalized recommendations that cover every aspect of wealth management.

Investment Philosophy

We believe that the wealth management process starts with building a strong relationship of trust.

We're skilled strategists who take a bottom-up approach to investment. We focus first and foremost on achieving positive returns, no matter what the market is doing, rather than trying to outperform a benchmark index.

We use fundamental analysis and independent research to help us find the best ways to manage risk so you can achieve your financial goals.

Our investment principles

Wealth management requires a structured investment process and strong discipline. We focus on 3 principles:

1. Providing the best possible diversification, taking risk into account
2. Managing investments for the long term
3. Carefully selecting dividend-paying securities for the growth portion of portfolios

What sets us apart

Our innovative, inventive team provides simple, effective investment solutions for investors looking for peace of mind.

Values

Trust is the foundation of all our relationships. We've built our reputation on rigorousness, simplicity, integrity and attentiveness.

Rigour

We're rigorous in everything we do because serving you is important to us. We objectively and diligently manage your investments and follow up on your requests.

Simplicity

While many investment offers focus on complex approaches, we prefer simple solutions that provide equally good, if not better, results.

Integrity

We're transparent and respectful in everything we do. We're honest and upfront about our decisions and we make ethical choices when it comes to our wealth management recommendations.

Attentiveness

We're attuned to your needs and have your best interests at heart, because our goal is to help you achieve yours.

Our community involvement

Our team cares about making a difference in the community. We participate in fundraisers for several different causes and charities that are important to us, including:

• Sclérose en plaques St-Hyacinthe Acton
• Montreal Canadiens Children's Foundation
• Maison de la musique de Sorel-Tracy

Service Offer

Comprehensive wealth management services

We provide a unique experience with a comprehensive approach that covers all aspects of your financial situation.

Financial and retirement planning

We'll help you draft a plan that evolves with your priorities, needs and goals.

It will enable us to:

• Get an overall view of your wealth
• Provide projections, suggest strategies and offer advice to meet your short-, medium- and long-term needs
• Closely monitor and update strategies to help fulfill your goals and dreams

Investments

A qualified professional will use their expertise to manage your portfolio and buy and sell investment products for you.

The experts on our team will optimize your return potential, saving you valuable time and energy.

Estate planning

An estate plan built around customized advice can ease some of the burden on your loved ones after your death. We'll work with you to ensure that your legal documents reflect your wishes while reducing the taxes your estate will have to pay.

Tax strategies

We work with our tax specialists to help you optimize your income and lower your tax bill.

Having a tax strategy will enable you to:

• Get a clear picture of the upsides and downsides of your situation, from a tax standpoint
• Discover potential solutions for mitigating the tax implications of your financial and family situation
• Achieve your goals while navigating various tax considerations

Wealth protection

Protecting your wealth means protecting your quality of life.

It means protecting you and your loved ones from the financial impacts of an illness, an accident or a premature death.*

It also means protecting your assets.

We can recommend strategies that are tailored to your reality.

These personalized recommendations are aimed at preserving your assets over the long term.

We use intergenerational wealth creation strategies to provide benefits for your loved ones that extend beyond the transfer of your wealth.

* Offered by Desjardins Financial Security, Financial Services Firm.

Financing and banking solutions

Asset management

Managing your day-to-day finances and achieving goals—like renovating your home or buying a boat or cottage—can be complex and call for personalized financing solutions.

To help you reach your goals, our specialized financing teams develop personalized strategies for you, including:

• Mortgages
• Consumer credit
• Lines of credit

Our accounts and products

We'll set you up in the best position to protect your family's wealth.

Our team offers a range of investment options and account types to meet your needs.

Account types:

• Everyday, margin and options accounts
• Registered accounts (RRSP, LIRA, RRIF, LIF, RESP, TFSA, FHSA)
• Individual pension plans (IPPs) for business owners
• Holding company accounts
• Trust accounts
• Foundation accounts
• Accounts for non-profit organizations
• Blind trust accounts
• Estate accounts
• Accounts for children under the age of majority

We can offer you a full range of financial products:

• High-interest savings accounts
• Money market securities
• Guaranteed investment certificates (GICs)
• Government (federal and provincial), municipal and para-governmental bonds
• Bonds and debentures from corporations
• Preferred shares
• Mutual funds
• Exchange-traded funds (ETFs)
• Platform-traded funds (PTFs)
• Liquid alternative funds
• Limited partnership units (flow-through shares)
• Deposit notes
• Common shares
• Trust units
• American depositary receipts (ADRs)
• Canadian depositary receipt (CDRs)
• Options