We take a comprehensive approach to planning, which allows us to design a portfolio specifically suited to your personal financial situation.
— Advising Families. Serving Generations.
The role of a family advisor is to become and remain aware of evolving family dynamics and financial positions and to be pro-active and innovative with respect to wealth accumulation, preservation and distribution to family members in a sensible and tax-advantaged manner.
— Your Investment advice
Financial planning integrates all aspects of your family’s finances — retirement, tax, estate planning, investments, and insurance strategies. True planning is a process, not a product. Our fee-only advisory services fit the pieces of your financial puzzle together, without selling any products.
For most Canadians, investment advice is the only financial guidance they receive. Even basic tax planning is rare, as many accountants only prepare returns.
Fee-only, advisory services brings the integration of all areas of personal finance to the forefront and makes it the sole goal of the client-adviser relationship. This means there are no hidden costs, third party financial motivations or kick-backs – the planner represents the client and only the client.
Fee-only, advice-only advisory services keep advice and potential products separate, so most clients who work with a fee-only, advice-only advisor will also have a separate investment adviser and insurance agent.
Fee-only, advice-only advisory services are charged for comprehensive financial advice and are based on expertise required, complexity and time required. Fee-only, advice-only advisory services are professionals and charge their fees much like other professionals such as lawyers or accountants. The fees have nothing to do with a client’s income or assets, meaning every client is just as important as the next and that our advice is totally unbiased.
This is in contrast to the traditional provision of financial or investment advice, where minimum investment levels apply and compensation is paid to the adviser based on product choices. It means fee-only, advice-only financial planning is accessible by anybody on a completely objective basis.
Choosing between advisory services and a fee-based investment advisor depends on your needs and goals. Many clients of advice-only financial planners also work with a fee-based investment advisor. Many clients of advice-only financial planners are do-it-yourself investors or prefer to invest in other investments like rental real estate. Many clients of fee-based investment advisors are satisfied with the financial planning advice they receive from their investment firm, especially if their needs are simple.
Seven Steps. One Seamless Strategy
We will present comprehensive strategies and tactics to lower your tax bracket or tax liabilities in future tax returns.
A collaborative process that involves gathering all of the necessary information to formulate a snapshot of where you are today and where you will end up, using very conservative projections.
A review of the base plan to ensure we have accurately captured all of the data and used the proper assumptions. It could involve more than one meeting to be sure we get it right and are able to move to the next step.
This is where our team spends the time to optimize your plan by looking at various proven strategies to lower taxes, improve income efficiency and transition personal and corporate assets to the next generation.
Once we agree on which strategies to employ and the timeline for execution, we get to work on implementing them. This could involve your existing professionals, or we can engage trusted ones that work with our team.
We create a customized roadmap for all future meetings to ensure we are always focused on accomplishing a task toward achieving your goals, so that nothing ever falls through the cracks.
You lead a busy life. Our job is to simplify the wealth management experience. There are a lot of complicated pieces to the puzzle, but our process allows you to focus on the big picture, while we take care of the details.
You always know exactly what you’re paying so it’s easy to measure the value of our service.
— You Ask, We Answer
A family office manages the assets of individuals, families, or business partners. Its core purpose is typically to create customized flexibility, convenience, and reduced overall expense by centralizing and often employing their professionals to directly manage property, investment portfolios, insurance, accounting, and charitable giving. Nosinu also provides administrative and estate support, such as bookkeeping, document management, and professional coordination.
Nosinu is a collaborative multi-family office, which means that we do not aggregate professional services in house and our services are all customizable to serve multiple clients. We welcome new clients who have preexisting professional relationships; it makes our job easier when coordinating and aligning the goals of the client.
Our clients have varying degrees of need for a family office. Some clients have complex financial situations with real estate assets, family businesses, multiple trusts, and in need of daily accounting services for all of their entities, while other clients may only want the peace of mind that we know where all their wealth is, understand their goals, and can provide insightful and helpful guidance in decision-making.
Ultimately, a family office can provide the best transition for wealth in accordance with the client’s estate plans. Regardless of who they have as successor trustee or executor, a family office should have the estate in a well-documented, well-managed, and operationally efficient state when planned or unplanned transitions take place.
The majority of our clients have a flat monthly fee based on the scope of services determined in our consulting agreement. If the amount of time dedicated to the scope of work is hard to determine, we may start on an hourly basis and move to a flat fee after three to six months. Some of our clients prefer to be billed on an hourly basis when the engagement has lots of projects and provision of services on an as-needed-basis.
Nosinu works with clients who have a wide variety of assets and engagement needs. Our particular areas of expertise include real estate assets, family businesses, and private foundations.
Many of our clients have residential and commercial real estate holdings. For some, we provide property management services and full-service accounting related to those assets. For others, we act as director of finance or provide board governance for their family businesses. We also act as philanthropic advisors and administrators of a number of private family foundations.
No. We are not a trust company and we have no assets under management as a registered investment advisor.
In most cases, no. We like to think of our office as an added benefit to the professional relationships that clients already have. We don’t take over or compete with attorneys, CPAs, investment advisors, or insurance brokers. At times, we will help clients fill the gap in their professional roster of experts and because we work with many clients, we have existing relationships that can make the process faster and cater to the client’s specialty needs and personality.
Yes. We have family office clients that reside in various provinces outside of Ontario.
— Your Goals, Our Expertise
At Nosinu, we understand that traditional portfolio models — like the standard 60/40 allocation — often fall short in addressing the unique objectives of today’s sophisticated families and entrepreneurs. That’s why we take a broader, more nuanced approach to investment strategy.
Through carefully selected partnerships and in-house expertise, we offer clients access to exclusive opportunities across both public and private capital markets — including alternative assets typically available only to institutional investors. The result is greater diversification, enhanced resilience in volatile markets, and investment strategies tailored to your long-term vision.
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Strategic. Agile. Forward Thinking.
Bermuda
16 Wesley Street
Hamilton HM 11, Bermuda
Canada
3250 Bloor St W
Etobicoke, ON , M8X 2X9
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