Corvum Investment Management (CIM) works with you directly or your existing financial planner to create and manage an investment plan to achieve your goals.

YOUR FINANCIAL PLAN

An investment plan is simply one piece of a broader financial plan. Along with investment planning, a comprehensive financial plan addresses

  • Cash flow planning – budgeting and debt management
  • Retirement savings and income planning
  • Risk management and insurance planning
  • Tax planning
  • Estate planning
  • Education planning


A comprehensive financial plan is not just about managing money. Money is a means to an end, and ultimately, what drives your financial plan are your values. What is important to you? What do you want out of life? Given these values, concrete goals can be established; the goals are a manifestation of your values. Defining goals allows you to have something to aim for, and your financial plan is developed to manage the financial aspects of your life to achieve those goals. The plan allows you to feel at ease knowing you have considered and planned for future endeavours, future goals, future spending – even to accommodate unexpected pitfalls. With continued monitoring and refinement, you know you have a plan to manage your finances going forward.

Do you want a comprehensive
financial plan?

If you don’t have a comprehensive financial plan, I can assist you in creating one. No one is an expert in everything. For that reason, depending on the complexity of your situation I may rely on my growing network of professionals who specialize in their respective fields to provide you with quality planning. The comprehensiveness of your plan in both breadth and depth in the planning areas mentioned above would depend on your unique circumstances and needs. Or, if you prefer, I can refer you to a financial planner to work directly with you. Note that I neither pay to nor receive referral fees from any financial professional.

Do you currently have a financial plan
or have a financial planner you are
currently working with?

Although you already have a plan or have a financial planner, you may still need help managing your investments. I’m happy to work with you and your current planner. I can implement the investment management piece of your plan or work with your planner and other professionals to assist in developing an investment plan for you. I can work directly with you or through your planner.

MANAGING YOUR INVESTMENTS

You may not want a full comprehensive financial plan, but you do need a good understanding or where you are and where you are going in your financial journey to get the most benefit from an investment plan. I can help you see where you are and the issues you need to address. Then, we can begin the process of creating an investment plan to achieve your goals. Regardless of the comprehensiveness of your financial plan, your investment plan will always be a piece of your broader financial picture.
The Process:

1. Set goals.

The first step is typically to develop and refine your goals. This starts with first identifying your values, concerns, needs, and desires. In other words, I want to get to know you and perhaps for you to get you to know yourself.

2. Assess you and your circumstances.

Next, your current financial circumstances must be evaluated. This would include addressing the financial planning topic areas mentioned above. We will have to determine your risk profile to include your need to take risk, your ability to take risk, and your attitude toward risk. An investment philosophy will be identified. Then, your goals will be reevaluated and adjusted to accommodate your financial situation and your risk profile.

3. Create the investment plan.

Next, a documented investment plan will be developed tailored to meet your goals. This plan would include either passive or active strategies, whichever is a right fit for you. The plan should also develop optimal withdrawal strategies as goals are being met.

4. Implement the plan.

Once an investment plan is established, your investment portfolio will be created by trading the necessary assets through your broker(s) designated in the plan. If you already have a portfolio, steps will be taken to align it with your investment plan.

5. Manage the portfolio.

Finally, your portfolio performance is monitored, and financial markets and economic conditions are evaluated to make sure you are on track to achieve your financial goals. Your goals are reevaluated, and your portfolio is adjusted to accommodate changing market conditions and life events.
Are you a DIY investor?
Perhaps you like doing things yourself. If so, I can assist you in learning more about how to manage your own investments such as helping you develop your own investment philosophy, assessing your risk profile, aligning your goals and profile to construct a portfolio, and establishing a plan to monitor it. Once an investment plan is created, I can turn the reigns over to you to manage when you feel comfortable. I can also continue to guide you in the management process.

PRICING

Financial Plan: $200/hour. The typical fee for a comprehensive financial plan is $3,000 and adjusted based on the complexity and scope of the engagement. Half of the fee is due at the beginning of the process and the remainder is due at the completion of work.

Investment Plan: $200/hour. A comprehensive financial plan constructed by CIM includes an investment plan. The typical fee for an investment plan without an existing comprehensive financial plan is $1,000. The typical fee for an investment plan if you already have an acceptable financial plan developed by your financial planner is $500. The status of a financial plan being acceptable depends on the depth and breadth of the investment plan and the overall financial plan as well as the credentials of the financial planner who developed the plan (e.g., if the planner has the CFP credential). Actual fees may be more or less depending on the complexity of your situation. The fixed fee is presented and agreed to upfront once the work involved has been assessed. The fee for the investment plan may be waived in whole or in part if you use CIM’s ongoing investment management services depending on such factors as your current or projected value of assets under management.

Ongoing Investment Management: Ongoing investment management requires an initial investment plan.

Fees for ongoing investment management are based on three possible arrangements, depending on your needs and circumstances:

  • flat fee based on an hourly rate of $200/hour,
  • market value of assets under management (AUM fee),
  • combination of a flat fee and an AUM fee.

For each arrangement, fees are based on the complexity and costs of providing ongoing investment management. The fee arrangement is agreed to upfront with an explanation of why such arrangement is best suited for you.

The standard advisory fee based on the market value of the assets under management for each investment account is calculated according to the following blended fee schedule:

Account Value

$0 – $200,000
$200,001 and above

Annual Advisory Fee

1.00%
0.25%
Fees are negotiable and can be adjusted to reflect your complexity and personal needs. Fees are prorated and paid in arrears on a quarterly basis. You may also elect to have fees paid monthly. Fees are based on the average daily balance during the quarter.

Your Financial Plan
Managing Your Investments
Pricing

YOUR FINANCIAL PLAN

An investment plan is simply one piece of a broader financial plan. Along with investment planning, a comprehensive financial plan addresses

  • Cash flow planning – budgeting and debt management
  • Retirement savings and income planning
  • Risk management and insurance planning
  • Tax planning
  • Estate planning
  • Education planning


A comprehensive financial plan is not just about managing money. Money is a means to an end, and ultimately, what drives your financial plan are your values. What is important to you? What do you want out of life? Given these values, concrete goals can be established; the goals are a manifestation of your values. Defining goals allows you to have something to aim for, and your financial plan is developed to manage the financial aspects of your life to achieve those goals. The plan allows you to feel at ease knowing you have considered and planned for future endeavours, future goals, future spending – even to accommodate unexpected pitfalls. With continued monitoring and refinement, you know you have a plan to manage your finances going forward.

Do you want a comprehensive
financial plan?

If you don’t have a comprehensive financial plan, I can assist you in creating one. No one is an expert in everything. For that reason, depending on the complexity of your situation I may rely on my growing network of professionals who specialize in their respective fields to provide you with quality planning. The comprehensiveness of your plan in both breadth and depth in the planning areas mentioned above would depend on your unique circumstances and needs. Or, if you prefer, I can refer you to a financial planner to work directly with you. Note that I neither pay to nor receive referral fees from any financial professional.

Do you currently have a financial plan
or have a financial planner you are
currently working with?

Although you already have a plan or have a financial planner, you may still need help managing your investments. I’m happy to work with you and your current planner. I can implement the investment management piece of your plan or work with your planner and other professionals to assist in developing an investment plan for you. I can work directly with you or through your planner.

MANAGING YOUR INVESTMENTS

You may not want a full comprehensive financial plan, but you do need a good understanding or where you are and where you are going in your financial journey to get the most benefit from an investment plan. I can help you see where you are and the issues you need to address. Then, we can begin the process of creating an investment plan to achieve your goals. Regardless of the comprehensiveness of your financial plan, your investment plan will always be a piece of your broader financial picture.
The Process:

1. Set goals.

The first step is typically to develop and refine your goals. This starts with first identifying your values, concerns, needs, and desires. In other words, I want to get to know you and perhaps for you to get you to know yourself.

2. Assess you and your circumstances.

Next, your current financial circumstances must be evaluated. This would include addressing the financial planning topic areas mentioned above. We will have to determine your risk profile to include your need to take risk, your ability to take risk, and your attitude toward risk. An investment philosophy will be identified. Then, your goals will be reevaluated and adjusted to accommodate your financial situation and your risk profile.

3. Create the investment plan.

Next, a documented investment plan will be developed tailored to meet your goals. This plan would include either passive or active strategies, whichever is a right fit for you. The plan should also develop optimal withdrawal strategies as goals are being met.

4. Implement the plan.

Once an investment plan is established, your investment portfolio will be created by trading the necessary assets through your broker(s) designated in the plan. If you already have a portfolio, steps will be taken to align it with your investment plan.

5. Manage the portfolio.

Finally, your portfolio performance is monitored, and financial markets and economic conditions are evaluated to make sure you are on track to achieve your financial goals. Your goals are reevaluated, and your portfolio is adjusted to accommodate changing market conditions and life events.
Are you a DIY investor?
Perhaps you like doing things yourself. If so, I can assist you in learning more about how to manage your own investments such as helping you develop your own investment philosophy, assessing your risk profile, aligning your goals and profile to construct a portfolio, and establishing a plan to monitor it. Once an investment plan is created, I can turn the reigns over to you to manage when you feel comfortable. I can also continue to guide you in the management process.

PRICING

Financial Plan: $250/hour. The typical fee for a comprehensive financial plan is $3,000 and adjusted based on the complexity and scope of the engagement. Half of the fee is due at the beginning of the process and the remainder is due at the completion of work.

Investment Plan: $250/hour. A comprehensive financial plan constructed by CIM includes an investment plan. The typical fee for an investment plan without an existing comprehensive financial plan is $1,000. The typical fee for an investment plan if you already have an acceptable financial plan developed by your financial planner is $500. The status of a financial plan being acceptable depends on the depth and breadth of the investment plan and the overall financial plan as well as the credentials of the financial planner who developed the plan (e.g., if the planner has the CFP credential). Actual fees may be more or less depending on the complexity of your situation. The fixed fee is presented and agreed to upfront once the work involved has been assessed. The fee for the investment plan may be waived in whole or in part if you use CIM’s ongoing investment management services depending on such factors as your current or projected value of assets under management.

Ongoing Investment Management: Ongoing investment management requires an initial investment plan.

Fees for ongoing investment management are based on three possible arrangements, depending on your needs and circumstances:

  • flat fee based on an hourly rate of $250/hour,
  • market value of assets under management (AUM fee),
  • combination of a flat fee and an AUM fee.

 

For each arrangement, fees are based on the complexity and costs of providing ongoing investment management. The fee arrangement is agreed to upfront with an explanation of why such arrangement is best suited for you.

The standard advisory fee based on the market value of the assets under management for each investment account is calculated according to the following blended fee schedule:

Account Value

$0 – $200,000
$200,001 and above

Annual Advisory Fee

1.00%
0.25%
Fees are negotiable and can be adjusted to reflect your complexity and personal needs. Fees are prorated and paid in arrears on a quarterly basis. You may also elect to have fees paid monthly. Fees are based on the average daily balance during the quarter.

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