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When You Should Consider Our Automated Portfolio Advisor Tool

Generations of investors have trusted Cumberland Private Wealth for highly individual portfolio advice and investment management. However, there are many situations where our automated Portfolio Advisor Tool (PAT) might be better suited to your needs.

Cumberland PAT gives you access to the same investment expertise as our Private Clients, except in a digital form available at a minimum account size of $50,000 with human support when you need it.

Here are some of the ways our clients are utilizing Cumberland PAT:

Smaller accounts. You may be a Private Wealth client with a smaller account to manage, such as a TFSA, education savings plan or other registered account. PAT brings an efficient solution.

Building wealth
. You may be rapidly building your wealth, but not be quite ready for significant Private Wealth advisory services. PAT is a great bridge to get there.

Family ties. You may be the child or grandchild of a Private Wealth client and may be seeking to establish your own relationship with Cumberland. PAT is a perfect starting point.

Digital preference. You may want access to the track record of our investment team and simply prefer a digital investment experience. If so, welcome aboard.

Planners and advisors. You may be a financial professional who wants access to our investment skill for your clients. PAT can be a powerful complement to your practice.

Workplaces. You may run a workplace savings program and want a professional, higher tier of investment expertise for your people. PAT works very well at work!

Cumberland PAT is a digital-first way to access the same investment management expertise that has guided our Private Clients through decades of bubbles, recessions and pandemics. Whatever the future may bring, PAT is a terrific way to position your investments right now.

Simply click here to schedule a 30-minute chat to learn more.

Deep Roots, Stronger Together

On May 2, Cumberland Private Wealth completed the previously announced merger with Perron & Partners. So, how did two successful independent firms separated by 2,100 miles decide to join forces and Go Far Together? Let me tell you.

Both firms have a lot in common. To start with, both were founded by entrepreneurial industry veterans. Both firms were employee-owned with no affiliations to any financial organizations. Both had strong values and believed deeply in the client experience.




This article appeared in the Spring 2018 issue of our newsletter, “Interest Gained”. To read the full newsletter, please click here.

Implications of 2018 Budget on Tax for Private Corporations

As many Canadians are aware, the Department of Finance has made major changes to the taxation of shareholders effective for 2018. What used to be known as “kiddie tax” is now referred to as “tax on split income” or “TOSI” and it can potentially apply to almost anyone with residency ties to Canada. The budget also introduced new rules for corporations earning passive income, which will become effective in 2019. As a result, incorporated professionals are more restricted in their tax planning, leading some to ask: “Is it still worth it”? The classic tax-planning answer, of course, is “it depends”. This article explains some of the recent tax law changes, and considers some situations where professional corporations (“PCs”) may still offer tax and financial planning benefits.



This article appeared in the Spring 2018 issue of our newsletter, “Interest Gained”. To read the full newsletter, please click here.

Cumberland Partners Limited announces the completion of the previously announced merger with Norrep Investment Management Group Inc. and Perron & Partners Wealth Management Corp.

Toronto (ON) – May 2, 2018 Cumberland Partners Limited (CPL, parent company of Cumberland Private Wealth Management Inc. and Cumberland Investment Counsel Inc.), Norrep Investment Management Group Inc. (NCM – Norrep Capital Management), and Perron & Partners Wealth Management Corp. and Perron Asset Management Inc. (Perron & Partners) and their related entities announced today the successful closing of the merger announced on February 5, 2018.

Perron & Partners Named One Of The 9 Best Financial Advisors in Calgary

Our new partners at Perron & Partners have been recognized by Advisory HQ for their “independence, combined with expert solutions for retirement, risk management, investments, and family wealth management”. By joining forces with Perron & Partners, we now bring greater resources, more opportunities and investment talent together.

Cumberland Named One Of The 11 Best Financial Advisors & Investment Management Firms in Toronto

We’re honoured that Advisory HQ has recognized our “Expert Portfolio Construction Process and Experienced Team who act as fiduciaries” and named Cumberland among the Top 11 Best Financial Advisors in Toronto with whom to partner in 2018.

How an insurance transfer can benefit charities and policyholders

In a recent interview with the Globe and Mail, Cumberland Private Wealth Portfolio Manager and author, John Budd unveils a charitable option for dealing with insurance policies that are no longer necessary. Is this an option for you? Learn more in the article here.

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Sukyong Yang is interviewed for a special feature in the National Post

As part of the National Post’s Money Management Feature, Cumberland’s Global Portfolio Manager, Sukyong Yang sat down to talk about the importance and benefit of diversifying your portfolio to include global investments

Barbara Stewart publishes her latest research findings

Cumberland Partner and Client Portfolio Manager, Barbara Stewart, releases new research: How Women are Getting Started in Investing.

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New Report Unveils How Women are Getting Started in Investing

Canadian portfolio manager and researcher on women and money Barbara Stewart releases original research about women learning to invest

TORONTO, March 8, 2014 /CNW/ – New research has found that women learn to invest in order to gain control over their lives, and they invest in what they personally believe in.  According to a new white paper, part of the Rich Thinking series of global studies, Getting Started: advice, ideas and stories from smart women on learning to invest, by CFA® charterholder Barbara Stewart, women are very good at learning how to invest, but it is often outside traditional equity markets.

These findings, released today to coincide with International Women’s Day, are the result of in-depth interviews that were conducted throughout 2013 with 50 diverse and accomplished women living around the world—from Toronto to Tel Aviv, from Singapore toStockholm, and from Paris to Istanbul.  The study builds on Ms. Stewart’s previous white papers of 2011, 2012 and 2013.

“The most important finding of this year’s Rich Thinking study was that when women think about investing, they refuse to restrict that to equity markets only,” says Barbara Stewart, Portfolio Manager at Cumberland Private Wealth Management Inc. “They are looking to take control and become financially independent, but they prefer to invest in what they understand and are passionate about.”

“Getting more women to invest in equity markets is a sound goal for policymakers, educators, and financial institutions. But that isn’t about putting pink covers on mutual fund reports: this year’s white paper looks at the deeper ways in which women can be encouraged to get started investing. The alternative is not an option: doing nothing with their money is the highest risk behaviour of all.”

For a copy of the full white paper, please go to www.barbarastewart.ca.

Methodology
Throughout 2013, Barbara Stewart conducted 50 in-depth interviews with women around the world. Interviewees varied by age, cultural background and geographic location, although all were relatively successful in their lives, careers, or both.

About Barbara Stewart
Barbara Stewart is a CFA® charterholder specializing in Financial Counseling and Portfolio Management. She has extensive experience in global capital markets and has been advising high net worth individuals and families for 18 years. Barbara is a shareholder of Cumberland Partners Limited – the parent company of Cumberland Private Wealth Management Inc. in Toronto, Canada. She writes a bi-weekly column and is frequently quoted in the media on the topic of women and finance. She speaks internationally (most recently to 3,000 investors in Stockholm) and she creates educational events on the topic she is passionate about – financial literacy. To find out more about Barbara’s research or her work as a portfolio manager, visit www.barbarastewart.ca.

SOURCE: Barbara Stewart

For further information:

Barbara Stewart, Portfolio Manager
Cumberland Private Wealth Management
416-413-4216 or barbaras@cpwm.ca

Cumberland is featured in the Report on Business’ special issue “Invest Like a Legend”

Gerry Connor, CEO and Peter Jackson, CIO of Cumberland are featured in The Globe & Mail’s Report on Business’ “Invest Like a Legend” issue released on January 31, 2014. “Against the grain” reveals how Cumberland has stayed ahead of the market over several market and economic cycles including the financial crisis of 2009 and has successfully grown and protected their clients’ capital.
Cumberland in February 2014 Globe ROB Magazine with Invest Like A Legend Annual Feature