Accretive, in every way.
Investment counsel and insurance, together under one mandate — held to the measure of what endures.
Capital, quietly ordered. Coverage, precisely placed.
A family’s portfolios and insurance are attended to in the manner of the broader mandate — with patience, with integration, with care. Each strategy is set against the family’s complete tax position, corporate structure, and generational horizon. Each decision is weighed against the continuity of what has been built: its preservation, its compounding, its eventual passage to the hands that follow.
Insurance is held as infrastructure — a deliberate instrument of the balance sheet, arranged to fund estate obligations at the moment of crystallisation, to secure continuity through transition, to underwrite the family’s philanthropic and succession intent. Control of the balance sheet remains with the family, throughout. What results is a coherent architecture: capital that compounds with discipline, coverage that performs when called upon, wealth that holds.
Independent. Comprehensive. Held to a single measure.
Senatus operates with full access to the Canadian market — active, passive, and alternative strategies drawn upon where each is warranted, and insurance solutions arranged from the complete range of carriers. Counsel is held to a single measure: the advancement of the family’s position.
Enduring wealth is built through considered composition. Passive allocations carry efficient exposure to public markets. Active mandates are retained where skilled selection, conviction, or timing can compound a measurable edge. Alternative strategies — private equity, private credit, real assets, infrastructure, co-investment — are drawn upon where they improve risk-adjusted return, access income beyond traditional markets, or sharpen tax efficiency across generations. Each portfolio is set against the family’s prevailing tax position, and weighed against the long passage of wealth across time.
Relationships are held with every major Canadian insurance carrier — the complete range of life, disability, critical illness, and corporately-owned solutions, available in full. Coverage is arranged as a component of capital structure. It underwrites estate obligations. It funds tax liabilities at crystallisation. It secures key-person and shareholder continuity. It preserves optionality through periods of transition. The objective is resilience — that the broader architecture performs, with precision, at the moment required of it.
Senatus is structurally independent. By design, the family’s interests and the firm’s move as one. Every recommendation is held to a single standard: that it advances the family’s after-tax, after-risk position across the long horizon. Where it does, we proceed with conviction; where it requires pause, we so advise. Independence, in this practice, is the foundation of objective counsel.
Every decision is taken in context. Each investment mandate, each insurance placement, is arranged in deliberate relation to the family’s corporate structure, its projected tax position, its estate plan, its governance. Senatus serves as coordinating architect — convening the specialist table, aligning each discipline to a unified strategy, so that every decision made in one domain reinforces the integrity of the others. The objective is coherence — a plan in which every element advances the whole.
affluent families
U.S. or multi-jurisdictional structures
Access to the full market.
Our Relationship with Clients
Senatus Wealth Management Corporation and Senatus Wealth Private Advisory Inc. (collectively, “Senatus Wealth”) provide wealth advisory, financial planning, insurance, and coordination services to private clients in Ontario, across Canada, and on a cross-border basis. The nature of our role, obligations, and compensation varies by engagement and is governed by the terms of each client agreement.
Where we act in an advisory capacity, our mandate is to provide strategic guidance, architect and coordinate wealth structures, and oversee the engagement of specialists on your behalf. Where we facilitate insurance solutions, we act as licensed insurance advisors under applicable provincial legislation. Investment advisory or portfolio management services, where provided, are delivered in accordance with applicable securities legislation and registration requirements. How we are compensated — whether by advisory retainer, asset-based fee, or insurance commission — is disclosed in advance under the terms of your client agreement.
Scope of Services
Senatus Wealth provides integrated wealth architecture, coordination, and advisory services. These may include tax-efficient wealth design, estate and succession planning, corporate and trust structuring, insurance architecture, investment oversight, governance frameworks, philanthropy, and family continuity planning. Services are tailored to each client’s objectives and circumstances. Not all clients will receive all services, and the absence of a particular topic from an engagement does not indicate that it is inapplicable to your financial situation. Where Senatus Wealth coordinates with external professionals — including accountants, lawyers, investment managers, or other specialists — we do not assume liability for the advice, services, or outcomes provided by those independent professionals. It is your responsibility to evaluate and act upon any external recommendations in consultation with your own advisors.
Entities Providing Services
Advisory and coordination services are provided by Senatus Wealth Private Advisory Inc. Financial planning, insurance planning, and investment oversight services are provided through Senatus Wealth Management Corporation, licensed under applicable provincial insurance legislation. Investment advisory or portfolio management services, where applicable, are delivered in accordance with National Instrument 31-103 — Registration Requirements, Exemptions and Ongoing Registrant Obligations — or through appropriately registered third-party firms coordinated by Senatus Wealth. The availability of specific services may vary by jurisdiction and applicable regulatory framework.
Cross-Border Coordination
Where clients maintain financial interests in both Canada and the United States, Senatus Wealth coordinates with qualified cross-border legal, tax, and investment professionals. Senatus Wealth is not registered with the U.S. Securities and Exchange Commission, FINRA, or any U.S. state securities regulator. Cross-border coordination is consultative in nature and does not constitute advice under U.S. federal or state law.
Important Limitations
Senatus Wealth does not provide legal, tax, or accounting advice unless explicitly agreed in writing. Any discussion of tax planning, estate structuring, corporate reorganization, the Income Tax Act, provincial tax legislation, or pending legislative changes is educational and consultative in nature. It should not be construed as a legal or tax opinion, relied upon for reporting purposes, or treated as a substitute for independent professional advice tailored to your specific circumstances.
Information provided by Senatus Wealth — whether through meetings, written materials, presentations, or digital platforms — is intended for educational and informational purposes only. Nothing contained herein constitutes a specific investment recommendation or an offer to buy or sell any security, insurance product, or financial instrument.
Senatus Wealth assumes no liability for positions taken or not taken based on discussions or materials provided during an advisory engagement.
Legal & Regulatory
Safekeeping of Client Capital
Your assets are never held by Senatus Wealth, nor by any advisor within our network. Capital is held and protected by independent, qualified custodians — institutions such as NBCN Inc., a wholly-owned subsidiary of the National Bank of Canada, and comparable custodians of equivalent standing and class, including Fidelity Clearing Canada and Apex Clearing, depending upon your portfolio manager. No advisor, whether internal or external, has direct access to your cash or securities at any time.
Portfolio management is conducted by third-party, independently licensed portfolio managers operating under the supervision of the Ontario Securities Commission and the Canadian Investment Regulatory Organization (CIRO), in accordance with National Instrument 31-103 — Registration Requirements, Exemptions and Ongoing Registrant Obligations. Client assets are entitled to protection in the event of insolvency, subject to the terms and limitations of the applicable custodian and investor protection fund.
For further detail regarding the entities responsible for the custody and management of your capital, please contact us at hello@senatuswealth.com.
Independence
Since its founding in 2010, Senatus Wealth has operated independently. The firm is not owned by, controlled by, or affiliated with any bank, insurer, broker-dealer, or asset manager.
Compensation
The firm is compensated by the families it serves. Senatus Wealth does not receive referral fees from the professional specialists within its network, nor any compensation tied to the purchase, placement, or retention of investment or assurance solutions arranged for clients.
Scope of Services
Senatus Wealth provides integrated wealth advisory, coordination, and architectural services. Specific legal, tax, accounting, and regulated investment services are delivered by independently licensed professionals engaged under separate mandate, and clients should look to those mandates for the terms governing those services.
Jurisdictions
The firm serves Canadian and cross-border families with interests in the United States. Availability of specific services depends on jurisdiction, licensing, and the nature of the mandate.
Terms of Use
By accessing or using this website, you agree to the following terms. If you do not agree, please discontinue use.
Use of this website does not create an advisory, fiduciary, or professional relationship between you and Senatus Wealth. Such relationships are established only by written mandate executed between the firm and the client.
All content is provided for general informational purposes only and is subject to change without notice. It does not constitute investment, financial, legal, tax, or accounting advice, nor an offer or solicitation to purchase or sell securities or any financial instrument. Senatus Wealth makes no warranty, express or implied, as to the accuracy, completeness, or suitability of any information for any particular purpose.
All material on this website, including text, imagery, and design, is the intellectual property of Senatus Wealth or its licensors, protected under applicable Canadian copyright, trademark, and international law. No content may be reproduced, distributed, or republished without prior written consent. Linking, framing, scraping, or data-mining of this website is prohibited without express permission.
This website may contain links to third-party sources. Senatus Wealth does not endorse and is not responsible for the content, accuracy, or practices of any third-party website.
To the fullest extent permitted by law, Senatus Wealth shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from or related to the use of, or inability to use, this website or its content — including damages to computer equipment or exposure to viruses.
This website and its terms are governed by the laws of the Province of Ontario and the applicable laws of Canada. Any dispute arising from your use of this website shall be subject to the exclusive jurisdiction of the courts of Ontario.
Forward-Looking Statements
Certain statements on this website constitute forward-looking statements reflecting the current expectations and assumptions of Senatus Wealth Management Corporation (the “Corporation”). These statements may include words such as “may,” “anticipate,” “believe,” “expect,” “estimate,” “intend,” and similar expressions. Forward-looking statements involve known and unknown risks, uncertainties, and assumptions that could cause actual results to differ materially from those expressed or implied. These statements are made as of the date of their inclusion on this website. The Corporation assumes no obligation to update or revise forward-looking statements to reflect subsequent events.
Industry Data
Market data and industry forecasts appearing on this website are derived from publicly available sources believed to be reliable. Their accuracy and completeness have not been independently verified by the Corporation.
Privacy Policy
Senatus Wealth Management Corporation (the “Corporation”) is committed to the highest standards of privacy and discretion. This policy describes how we collect, use, disclose, and safeguard non-public personal information in the course of our advisory relationships and through this website, in compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation.
Information We Collect
We collect personal information necessary to serve your advisory relationship and to comply with applicable regulatory requirements. This may include information provided directly by you — such as your name, contact details, social insurance number, financial circumstances, and investment objectives — as well as information obtained through applications, agreements, correspondence, telephone conversations, and your use of this website. We may also receive information from consumer reporting agencies and from third-party service providers engaged on your behalf.
How We Use Your Information
Personal information is collected and maintained in order to establish your identity, assess your eligibility and suitability for our services, fulfill applicable know-your-client (KYC) obligations under NI 31-103 and the Client Focused Reforms, deliver integrated advisory services, and comply with legal and regulatory requirements. We do not use your personal information for marketing purposes unrelated to the advisory relationship without your express consent.
When We Disclose Your Information
We may share personal information, to the extent necessary, with third-party professionals and service providers engaged on your behalf — including portfolio managers, custodians, insurance providers, accountants, and legal counsel — and only for the purposes identified above. Contractual and other safeguards are in place to ensure a comparable level of protection when information is handled by a third party.
We may also disclose personal information where required by law, regulation, or valid legal process — including to securities regulators, the Ontario Securities Commission, CIRO, and other self-regulatory organizations (SROs) that collect, use, and disclose such information for regulatory purposes, including audits, investigations, and enforcement proceedings.
We do not sell, lease, or otherwise make your personal information available to unaffiliated third parties for their independent use.
Consent
By entering into an advisory agreement or continuing to engage our services, you consent to the collection, use, and disclosure of your personal information as described in this policy. You may withdraw consent, in whole or in part, upon reasonable written notice — subject to legal, regulatory, and contractual obligations. The Corporation will inform you of the implications of any withdrawal of consent for the continued provision of services.
Safeguards & Retention
We maintain administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, loss, or disclosure. Access to personal information is restricted to those employees and authorized third parties who require it to provide services to you. No method of transmission or storage is perfectly secure; clients are encouraged to share sensitive information through the protected channels we designate. Personal information is retained for as long as necessary to fulfill the purposes for which it was collected, and in accordance with applicable regulatory retention requirements.
Your Rights
Subject to applicable law and regulatory requirements, you may request access to, correction of, or deletion of your personal information by writing to hello@senatuswealth.com. The Corporation will respond promptly and will provide an explanation in any case where access cannot be granted.
Updates
This policy may be updated from time to time. The current version is always accessible from this website. If you have questions or concerns, please contact us at hello@senatuswealth.com.
Thank you.
Your inquiry has been prepared for the Private Office. A member of the team will respond, in confidence, within twenty-four hours.