Your wealth, in the right hands.
An independent second opinion on your financial plan, your investments and the professionals who manage them, so you know you are working with the right partners.
It is the question behind every engagement at Minden Rose. We help you answer it honestly, with independent, unbiased clarity on where you stand today, and support to make a change if one is needed.
Choosing who to trust with your money can feel overwhelming
The industry does not make it easy, and the decision often arrives at the hardest moments of life.
Titles that sound alike
Investment Advisor, Financial Advisor, Portfolio Manager, Wealth Advisor, Financial Planner: what is the difference? Being licensed to sell investments is not the same as being trained or certified to build a financial plan.
Fees that are hard to see
Advisors are paid by salary, by commission or as a percentage of the assets they manage, and embedded fund fees (MERs) can add more. How do you know what you are paying in total?
Decisions at difficult times
Retirement, inheritance, divorce, a career change or the loss of a spouse bring the highest stakes when you have the least energy to research who is best suited to support you.
Professionals working in silos
Many advisors manage only the investments and leave you to coordinate between your financial planner, accountant and lawyer.
Clarify. Educate. Guide.
Clarify
We review your financial plan, your portfolio and the professionals behind them, and explain where you stand in plain language.
Educate
We give you the questions, and the confidence, to evaluate any advisor and hold your professionals to account.
Guide
When a change is needed, we help you find the right professionals and stay with you through the transition and beyond.
The right partners, working as one team
We help you find, vet and coordinate the professionals your wealth relies on, ensuring they are all working together effectively and cohesively, with your interests and goals at the forefront.
your independent advocate
Your long-term roadmap: cash flow, retirement and goals
Your portfolio and investment strategy
Tax planning, filings and business finances
Wills, Powers of Attorney, trusts and the transfer of wealth
Separation, divorce and family agreements
Insurance advisors and other experts, as your needs require
We never accept referral fees from any professional we introduce, so every recommendation is made in your interests alone.
Wherever you are starting from
Get an independent second opinion
Our Clarity Review looks at your plan, your portfolio, your advisor and the wider team around you, and gives you a clear, honest answer about whether you are on the right track.
The Clarity Review →Find the right partners, with an advocate beside you
We vet and introduce the right wealth and financial professionals, attend the meetings with you, and stay involved to make sure they deliver on what they promise.
Guided Transition and Ongoing Partnership →No products. No commissions. No referral fees.
We work alongside your professionals, never in place of them. Because we have nothing to sell, our only interest is whether your plan, portfolio and professional team are genuinely serving you well.
What we do
- Review your financial plan and investment portfolio in plain language
- Conduct due diligence on advisors, including CIRO AdvisorReport background checks
- Source, vet and introduce alternative professionals when needed
- Attend meetings with you and manage follow-through on your behalf
What we don’t do
- Manage or invest your money
- Sell financial or insurance products
- Accept referral fees or commissions from any professional or firm
- Provide legal, tax or investment advice
Individuals, families and business owners
People who want an experienced, independent second set of eyes on their wealth, or thoughtful, unbiased guidance to find the best professionals to work with, especially during a period of change.
- Individuals managing their finances on their own for the first time
- People navigating a life transition, such as retirement, inheritance, a career change, divorce or the loss of a spouse
- Families and business owners preparing for a major event, such as selling a business or transferring wealth to the next generation
- Anyone already working with an advisor who simply wants to know they are on the right track
The Wealth Advisor Interview Guide
Five questions to ask any advisor, what a good answer sounds like and the red flags to watch for, from credentials and fees to how they coordinate with your accountant and lawyer.
Are you working with the right wealth advisor and financial partners?
Every engagement starts with a complimentary introductory meeting. We’ll talk about where you are today, what you want for the future, and whether a Clarity Review is the right first step.