Simple, Evidence-Based, and Designed for Your Success

Why I Don’t Believe in trying to out smart the market

The research is clear: most investors, including professional fund managers, rarely beat the market over time. That’s not opinion, that’s what decades of data shows from sources like SPIVA and others.

Instead of trying to guess which stock will outperform next or when to move in and out of the market, I help my clients invest in low-cost, globally diversified portfolios using index funds and Dimensional Fund strategies that capture the market’s natural long-term growth.

This approach increases the odds of success, reduces stress, and eliminates unnecessary fees.

Index Funds & Dimensional Factors - Explained Simply

Index funds are built to match the performance of the overall market, not try to outguess it. Over the long term, markets have proven to reward disciplined investors who stay the course.

Dimensional funds take that a step further by using academic research to tilt toward certain factors that have historically led to higher returns, such as:

  • Smaller companies (small-cap)

  • Value-priced stocks (value factor)

  • Companies with strong profitability

Why This Matters for You

Here’s what clients tell me they love about this approach:

  • They can relax knowing their plan is built on research, not predictions

  • They avoid high fees that eat into returns

  • They stop second-guessing their strategy - no FOMO, no chasing trends

Coordinated Across Your Entire Financial Picture

This philosophy is implemented across all your accounts: RRSPs, TFSAs, RESPs, and non-registered investments, in a tax-efficient, goal-driven way. Everything starts with a financial plan, so your investments are always aligned with your values and your timeline.

Many clients choose funds from Vanguard or Dimensional, though some prefer Fidelity’s all-in-one solutions, which blend passive and active elements.

Investment accounts available:

  • Registered Retirement Savings plan (RRSP)

  • Registered Education Savings plan (RESP)

  • Tax Free Savings Account (TFSA)

  • First Home Savings Account (FHSA)

  • Non - registered

  • Registered Disability Savings Plan (RDSP)

  • Locked-in Retirement Account (LIRA)

  • Registered income fund (RIF)

We work with many different fund companies like: Vanguard, Fidelity, TD, Dimensional, MacKenzie, etc.

RRSP Calculator - Click on the link to get an estimate of how much your RRSP will be worth in retirement and how much income it will provide.

Fidelity Market Updates: Click here