It all started when…

It all started when Michel Guimond, CFP®, F.Pl. & Actuary by trade (Obtained his Associateship of the Society of Actuaries in 1988), decided to leave the actuarial field and use his abilities to help individuals with their finances. He joined Sylvain Parent at RocheBanyan in 2000. Michel got selected to do retirement seminars for the Federal Government, the Bank of Canada and other employers with important pension plans.

In 2017, Michel joined Desjardins Financial Security Independent Network (DFSIN) the independent advisory branch of the Desjardins Movement to continue the adventure in partnership with one of the most flexible and well-established financial products dealership.

Since he joined the industry as a self employed, Michel has done over 700 retirement and financial planning seminars and currently advises over $140M for our 900+ loyal clients.

Why choose Grandmaster?

We deliver unmatched value from the outset, setting a benchmark in the industry with our unparalleled thoroughness and steadfast commitment to excellence. Our approach is grounded in prudence and logic, not flashiness, ensuring effectiveness in every financial strategy we devise. Choosing us means opting for a proven, disciplined approach that consistently yields results.

1. THE VALUE OF PRUDENT & INTELLIGENT PLANNING

2. ACTIVE MANAGEMENT

3. NET WEALTH vs GROSS RATE OF RETURN

4. PENSION EXPERTISE

5. THE VALUE OF INDEPENDENCE

THE VALUE OF PRUDENT & INTELLIGENT PLANNING

The intelligent goal is to get you from point A to point B. We want it to generate the most money in your pockets and as fast as possible, but still… getting you from point A to point B!

We are not trying to ride waves or play casino; The portfolio we offered to our clients with no pension plans did -8% during the 2008 crash vs -22% for US stocks, -26% for international stocks & -33% for Canadian stocks !!!*

We offer intelligent funds with great foundations and excellent management teams backed by decades-long track records.

ACTIVE MANAGEMENT

We have come to master the products we invest in and developed privileged relationships with our favourite portfolio managers.

In today’s markets, where tendencies are heading towards self-managing one’s own wealth, great active management is a game changer!

We have teams of industry experts that analyze investment opportunities as a full-time job, while you go on with your life and focus on your own expertise.

NET WEALTH vs GROSS RATE OF RETURN

Gross portfolio rate of return is commonly mistaken as the unit of measure for wealth growth. In fact, after-tax rate of return (being the money that you receive in your pockets) is the only true relevant unit of measure of wealth growth. Canadian marginal tax rates go from 0% to 54%. This means that Gross rate of return as a unit of performance can overestimate true net wealth growth by as much as 2x. We take pride in our intellectual honesty and set the highest industry standards for ourselves. We do the most accurate and thorough planning using only the true units of measure for our clients benefit.

PENSION EXPERTISE

Michel has been providing pension advice and seminars for the past 24 years. He is known for giving the best pension advice in Ottawa and Gatineau. Most of our clients have pensions at public service related entities. He is currently the sole provider of pension seminars for the Bank of Canada but is also known for his extensive knowledge in many plans such as PSSA, RCMP(3), Canadian Forces, OMERS, HOOPP, TPP, EDC, CNA, CBC, CMHC and many more.

Michel is also the go-to advisor when it comes to important pension planning and operations such as maximizing pension value, pension transfers, Pension Packages, pension decisions related to divorce and employment/retirement benefits related questions.

THE VALUE OF INDEPENDENCE

Most financial advisors are in a captive relationship with their financial institution: They are legally constrained to offer solely their employer’s reduced pool of products.
In most cases, their remuneration is completely dependent of the profitability they bring to their employer. Only after comes the client’s interest…

Our independence allows us to operate without incentives detrimental to our clients and offer only the best products on the whole market. We offer investment products only if we truly believe they are the optimal solution for our client’s best interest.

We believe intellectual honesty is what will set us apart and what makes this independent boutique rise above, as the new standards of personal financial services.

1. THE VALUE OF PRUDENT & INTELLIGENT PLANNING

2. ACTIVE MANAGEMENT

3. NET WEALTH vs GROSS RATE OF RETURN

4. PENSION EXPERTISE

5. THE VALUE OF INDEPENDENCE

THE VALUE OF PRUDENT & INTELLIGENT PLANNING

The intelligent goal is to get you from point A to point B. We want it to generate the most money in your pockets and as fast as possible, but still… getting you from point A to point B!

We are not trying to ride waves or play casino; The portfolio we offered to our clients with no pension plans did -8% during the 2008 crash vs -22% for US stocks, -26% for international stocks & -33% for Canadian stocks !!!*

We offer intelligent funds with great foundations and excellent management teams backed by decades-long track records.

ACTIVE MANAGEMENT

We have come to master the products we invest in and developed privileged relationships with our favourite portfolio managers.

In today’s markets, where tendencies are heading towards self-managing one’s own wealth, great active management is a game changer!

We have teams of industry experts that analyze investment opportunities as a full-time job, while you go on with your life and focus on your own expertise.

NET WEALTH vs GROSS RATE OF RETURN

Gross portfolio rate of return is commonly mistaken as the unit of measure for wealth growth. In fact, after-tax rate of return (being the money that you receive in your pockets) is the only true relevant unit of measure of wealth growth. Canadian marginal tax rates go from 0% to 54%. This means that Gross rate of return as a unit of performance can overestimate true net wealth growth by as much as 2x. We take pride in our intellectual honesty and set the highest industry standards for ourselves. We do the most accurate and thorough planning using only the true units of measure for our clients benefit.

PENSION EXPERTISE

Michel has been providing pension advice and seminars for the past 24 years. He is known for giving the best pension advice in Ottawa and Gatineau. Most of our clients have pensions at public service related entities. He is currently the sole provider of pension seminars for the Bank of Canada but is also known for his extensive knowledge in many plans such as PSSA, RCMP(3), Canadian Forces, OMERS, HOOPP, TPP, EDC, CNA, CBC, CMHC and many more.

Michel is also the go-to advisor when it comes to important pension planning and operations such as maximizing pension value, pension transfers, Pension Packages, pension decisions related to divorce and employment/retirement benefits related questions.

THE VALUE OF INDEPENDENCE

Most financial advisors are in a captive relationship with their financial institution: They are legally constrained to offer solely their employer’s reduced pool of products.
In most cases, their remuneration is completely dependent of the profitability they bring to their employer. Only after comes the client’s interest…

Our independence allows us to operate without incentives detrimental to our clients and offer only the best products on the whole market. We offer investment products only if we truly believe they are the optimal solution for our client’s best interest.

We believe intellectual honesty is what will set us apart and what makes this independent boutique rise above, as the new standards of personal financial services.

Philosophy

Wealth is not just measured in dollar amount, a great deal of it is psychological.

Prudence

We choose prudence first, and there may be many layers of prudence in one’s financial life, yet we offer as good returns in the long term as stock indexes, but with much less volatility.

Prudence

We want to be recognized for the prudence of our advice and products we use. If you are looking for aggressive investment strategies and very volatile investments providing unlikely but spectacular results, you are at the wrong place. 

Fairness

Our compensation is driven by a sense of social fairness, which means charging less than our competitors, and providing better advice to our clients.

Fairness

It is so important to us to offer planning in a fair way. Fair for the client, fair for us, fair for the companies offering the products.

If you want to get help and have the feeling that you are treated fairly, not being sold something you don’t need, and paying unfair fees, you are at the right place!

Honesty

Our own personal portfolios are composed of the same vehicles and products that we propose to our clients, we don’t sell anything but the best for our clients and their families, as we would for ourselves and our families.

Honesty

The financial advisory industry has incentives that does not always promote the client’s best interest. Extremely few advisors would recommend products out of their catalogue because we usually get paid a % of the assets our clients invest with us.

We take great pride in only offering what we think is to your benefit and be honest enough to tell you if other offerings could be better for you. Every year we recommend to a lot of our Quebec clients to invest in FTQ and CSN funds which are labour-sponsored funds eligible for an extra tax credit. Both of these products are captive, meaning they are only being offered by their respective organizations. We send about 70% of our Quebec clients over 40 to these funds and deprive ourselves of interesting compensation.

Intellectual rigour

Intelligence is at the heart of our offering.

Intellectual rigour

There are obvious analogies to be made between a chess game and financial planning. You must analyze different angles, try to forecast, prioritize, and ultimately try to come up with the best plan. In financial planning, you analyze these realities: budget, time horizon, taxes every year and at death, marginal tax rate, how much to invest, to withdraw, withdraw from RRSP, TFSA or non-registered assets? Etc.

Empathy

We treat our clients as if they were family.

Empathy

We care about our clients, and we like to say that a good financial planner is half actuary, half psychologist. We need to listen to our clients and sometimes discover their profound motivations to do a good job.

Prudence

We choose prudence first, and there may be many layers of prudence in one’s financial life, yet we offer as good returns in the long term as stock indexes, but with much less volatility.

Prudence

We want to be recognized for the prudence of our advice and products we use. If you are looking for aggressive investment strategies and very volatile investments providing unlikely but spectacular results, you are at the wrong place.

Fairness

Our compensation is driven by a sense of social fairness, which means charging less than our competitors, and providing better advice to our clients.

Fairness

It is so important to us to offer planning in a fair way. Fair for the client, fair for us, fair for the companies offering the products.

If you want to get help and have the feeling that you are treated fairly, not being sold something you don’t need, and paying unfair fees, you are at the right place!

Honesty

Our own personal portfolios are composed of the same vehicles and products that we propose to our clients, we don’t sell anything but the best for our clients and their families, as we would for ourselves and our families.

Honesty

The financial advisory industry has incentives that does not always promote the client’s best interest. Extremely few advisors would recommend products out of their catalogue because we usually get paid a % of the assets our clients invest with us.

We take great pride in only offering what we think is to your benefit and be honest enough to tell you if other offerings could be better for you. Every year we recommend to a lot of our Quebec clients to invest in FTQ and CSN funds which are labour-sponsored funds eligible for an extra tax credit. Both of these products are captive, meaning they are only being offered by their respective organizations. We send about 70% of our Quebec clients over 40 to these funds and deprive ourselves of interesting compensation.

Intellectual Rigour

Intelligence is at the heart of our offering.

Intellectual Rigour

There are obvious analogies to be made between a chess game and financial planning. You must analyze different angles, try to forecast, prioritize, and ultimately try to come up with the best plan. In financial planning, you analyze these realities: budget, time horizon, taxes every year and at death, marginal tax rate, how much to invest, to withdraw, withdraw from RRSP, TFSA or non-registered assets? Etc.

Empathy

We treat our clients as if they were family.

Empathy

We care about our clients, and we like to say that a good financial planner is half actuary, half psychologist. We need to listen to our clients and sometimes discover their profound motivations to do a good job.

For us it’s all about using our talent to help make the world a better and more honest place.