Services for high-net-worth individuals and families
A 360° approach with an experience inspired by multifamily offices
By combining the reach of a financial conglomerate with the personalized attention of a family business, we put our passion, expertise, and dedication to work to help you achieve financial success.
Wealth Management
A dedicated private manager builds a portfolio tailored to your financial plan and needs. Investment decisions are proposed by our team of portfolio managers, who follow a rigorous and disciplined analysis process.
Our philosophy rests on two key pillars: capital preservation and reasonable asset growth. We invest in quality companies that are attractively valued, with a constant focus on balancing return and risk.
Depending on your profile and assets under management, we offer a portfolio of directly held securities or our Eterna Funds.
This service provides a comprehensive and realistic view of your wealth management, extending beyond investments and retirement.
After thoroughly gathering information and analyzing your family wealth, our experts present you with a plan tailored to your values, objectives, and needs. This plan, which serves as a reference for informed decision-making, will be reviewed periodically to ensure it remains consistent with your current circumstances.
We also pay special attention to the tax optimization of your returns, taking into account the chosen investment vehicles and collaborating with your other advisors as needed.
Finally, our team can help you incorporate flow-through shares into your strategy, a tool that significantly reduces the actual cost of a charitable donation. This strategy effectively combines tax optimization and philanthropic impact.
Passing on your estate efficiently requires careful consideration, planning, and expertise. Our team will assist you and implement the approach best suited to your situation.
- Estate Planning: This allows you to plan the transfer of your wealth in a structured way, both during your lifetime and upon your death, taking into account your personal, family, financial, and tax objectives.
- Estate Settlement: This requires legal, accounting, and tax expertise that our specialists have fully mastered.
- Family Trust: This allows you to structure the transfer of your assets according to your wishes, either during your lifetime or upon your death.
- Protection Mandate: This ensures that in the event of incapacity, your finances will be managed in your best interests by a trusted person or by our specialists.
- Business Transfer and Succession: This provides entrepreneurs with support in planning and implementing a transfer to ensure the continuity of the business and preserve the value created.
Discover how our approach adapts to your reality.
Estates and Trusts
Estate settlement draws on legal, accounting, and tax expertise in a context that is often emotionally demanding. The scope of the work varies with the complexity of the case, but the requirement remains the same: to honour the expressed wishes, protect the interests of all parties, and bring the process to a conclusion with professionalism. Our team has the experience needed to handle this role with rigour and discretion.
Clients who chose Eterna Trust to administer their trust can be assured that it will be managed impartially, both during their lifetime and after their passing, and in strict accordance with their wishes. Our specialists make the appropriate tax decisions to avoid double taxation and to spare your loved ones from burdensome and complex responsibilities.
Should you become incapacitated, the management of your personal affairs will fall to the mandatary you will have designated, a role that requires availability, judgment, and long-term commitment. By entrusting us with this mandate, you can be assured that your finances will be administered with thoroughness and in your best interest.
Insurance and Annuities
To protect the financial well-being of your loved ones in the event of death, or your own in the event of an unforeseen circumstance, we help you choose the coverage that is right for you. Products we offer include:
- Life insurance
- Critical illness insurance
- Disability insurance (sickness and accident)
- Health care insurance (prescription drugs and dental)
With life expectancy steadily increasing, incorporating an annuity into your retirement plan can be a wise decision: you will receive a guaranteed income over a defined period, thereby reducing longevity risk. We assist you in selecting the features and the portion of capital to allocate to it.
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Mutual Funds
Whether you are acquiring property, financing education, or planning for retirement, we help you define your objectives clearly and propose investments whose characteristics and return prospects are consistent with your situation.
Eterna offers all types of non-registered and tax-advantaged accounts: TFSA, RRSP, LIRA, LIF, RESP, and RDSP.
Philanthropy
Financial Concierge Services
News
Read the latest news from Eterna and our experts’ thoughts to stay on top of financial matters.
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