For the wealth that must last generations.
Investments compound. Insurance carries what compounding cannot. Held under one mandate — composed for the family’s tax position, structure, and the decades the capital has to last.
Counsel held to one measure — what keeps the family intact, after tax.
Privately held.
No parent institution. No proprietary product. Every recommendation is held to one test: it must be right for the family before it is right for the firm.
Continuing stewardship.
In service to Canadian and cross-border families through three full cycles, two crises, and a generation of transition.
Compensation in writing.
Every form of compensation — from carriers, managers, and counsel — is disclosed in writing before any recommendation is made.
Canada and the U.S.
One in four engagements is structured across both jurisdictions, with senior counsel on each side under a single mandate.
Capital is more than a portfolio.
A family’s wealth is not a balance of positions. It is how a life is lived, how an enterprise continues, how a succession succeeds, how a name endures. Beneath it, in every case: a tax position, a corporate structure, a set of obligations that eventually come due, and a horizon that outlives any single advisor.
Investments are written for the family’s tax position, corporate structure, and generational horizon — not against a benchmark. Insurance is sized to the tax triggered at death and keyed to the transitions every family eventually meets. Neither is decided in isolation. Neither is recommended where it does not earn its place in the architecture.
Six disciplines. One mandate.
Full market access across North American investment managers and Canadian insurance carriers. No proprietary product. No distribution agreements. Every form of compensation is disclosed in writing before a recommendation is made. Counsel is held to one measure: what keeps the family intact, after tax, across the long horizon.
The questions most often asked at introduction, answered here.
Passive allocations where efficient exposure to public markets is the point. Active mandates where skilled selection earns its fee. Alternatives — private equity, private credit, real assets, co-investment — where they improve risk-adjusted return, generate income public markets cannot, or sharpen tax efficiency across generations. Every allocation is weighed against the family’s tax position and the horizon of the capital — not against a benchmark.
Insurance is held as infrastructure, not placed as product. Coverage is sized to fund the tax triggered at death, the shareholder buy-sell, key-person continuity, and the transitions every family eventually meets. Relationships with every major Canadian carrier — life, disability, critical illness, and corporately-owned solutions — placed on their merits. When the moment arrives, the coverage is there, sized to it. Or the family pays for the absence.
Privately owned. No parent institution. No proprietary product. Where the firm is compensated by an investment manager or insurance carrier connected to a recommendation, the arrangement is uniform across managers and disclosed in writing before the recommendation is made. Every decision is held to a single standard: it is right for the family before it is right for the firm.
Every investment mandate and every insurance placement is arranged in relation to the family’s CPA, corporate counsel, and estate counsel. Senatus convenes the specialist table — so that tax decisions, structural decisions, and portfolio decisions reinforce one another, rather than each being made in isolation. One table. One calendar. One standard.
Canadian families.
Canadian and U.S. lives.
Answerable only to clients.
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Every private client inquiry is read and answered within one business day.
Thank you.
Your inquiry has been prepared for the Private Office. A member of the team will respond, in confidence, within twenty-four hours.