Optimize Wealth Management

The firm operates an open-architecture model, constructing client portfolios using third-party funds, individual securities, and alternative investment exposures rather than proprietary products. This manager-agnostic approach allows asset allocation to be driven purely by client-level tax and planning considerations. Portfolios typically span public equities, fixed income, and selected private market exposures, with an emphasis on tax-aware rebalancing.

The firm advises Canadian resident families, many of whom hold US assets or have family members across the border. Optimize coordinates with cross-border tax counsel on the treatment of US-situs assets, IRA holdings, and American citizenship renunciation planning. However, the firm does not hold US SEC registration and restricts its advisory services to Canadian-resident clients.

Optimize operates on a fee-only basis, charging advisory and planning fees calculated as a percentage of assets under management or as fixed retainer fees for comprehensive planning engagements. The firm does not accept trailer fees, commissions on product sales, or referral payments from fund managers, aligning its compensation with client portfolio performance rather than transaction volume.

Optimize is structured as a multi-family office serving multiple unrelated high-net-worth families, primarily professionals and business owners in Ontario. While not a single-family office managing one source of wealth, the firm applies family-office-style service integration — combining investment management, tax planning, and estate coordination — that a standalone bank brokerage would not deliver.

Optimize integrates directly with each client's external accountants and legal counsel, participating in planning discussions around corporate reorganizations, estate freezes, trust distributions, and holding-company investment structures. The firm positions its advisory role as a central coordinating function — the portfolio manager and planning lead — rather than a replacement for tax or legal advice.