Specialized Wealth Strategies

Capitalizing on opportunity will allow you to build and retain your wealth

AMMPS

We provide comprehensive wealth management services with a focus on pension style asset management. Accessible Multi-Manager Private Securities (AMMPS) are a family of structured pools offered by Harbourfront Wealth Management Inc. AMMPS provide clients with access to diversified, multi-manager solutions, including a variety of private securities.

Consisting of investments in leading Canadian and American private securities including private credit, private equity, and private real estate, AMMPS give Harbourfront clients access to investments typically made available to pension funds or other institutional investors. These uniquely structured private pools help capture returns during periods of market growth and preserve capital during market volatility. As a result, clients can benefit from a more stable and balanced portfolio with diversified liquidity, diversified risk, and diversified returns.

Harbourfront’s AMMPS are defined by six key attributes:

Access: Access to select institutional quality pension-style investment strategies typically closed to non-institutional investors.
Structure: Uniquely structured and diversified across a large roster of sub-advisors.
Strategy: Composition and assembly primarily consisting of diversified, sub-advised pools.
Multi-Manager: A curated selection of institutional grade managers to capture returns during periods of market growth and preserve capital during market volatility.
Multi-Sector Diversification: Diversification within each asset class in leading Canadian and American private assets.
Risk Management: Institutional grade risk management controls with a holdings-based approach.

Asset Protection and Tax Planning with the use of Trusts

Each trust is designed to accomplish certain goals and provide benefits. Trusts can be used for tax minimization purposes, income splitting, asset protection for current and future beneficiaries and more.

Private Credit

Private credit is held by private companies and currently accounts for a substantial portion of the private investment market.Traditionally this type of investing has only been accessible by endowment funds, pensions, and institutional investors.

Benefit Cost Analysis & Due Diligence Calculations

There are many tax and investment options to choose from. The best way to determine what is right for you is to calculate the potential future outcome. Before implementing a plan, your Harbourfront advisor will conduct an in-depth analysis to figure out the best option for you.

Corporate Asset Transfers

You Harbourfront advisor can help you understand and navigate Capital Dividend Accounts (CDA) and which options may exist to flow money to shareholders on a tax-free basis.

Computer Generated Retirement Income Audits

These calculations establish whether one can reach or sustain his or her lifestyle income requirements while establishing which assets should be depleted.

Real Property Pools

Investors have the ability to diversify traditional holdings through the pooling of commercial real estate properties.

Estate Tax Analysis

Projecting future tax consequences and probate costs with the use of computer software can help pinpoint potential tax pitfalls while creating planning opportunities.

Income Splitting & Spousal Loans

Income splitting opportunities continue to diminish. The use of a spousal loan may help a family reduce its household tax bill on portfolio assets.

IPP (Individual Pension Plan)

This plan allows for increased tax savings beyond RRSP's. In addition, past service contributions may also exist for the potential of increased pre-tax investing.

Asset Location

Not to be confused with asset allocation, asset location involves the location of various asset classes amongst different types of accounts, entities or individuals in an effort to reduce current and future taxes.

Pension Style Asset Management

Investing in private securities over the years has traditionally been restricted to institutional investors, high-net-worth individuals, and family offices due to limited availability, liquidity, and high investment minimums. By developing economies of scale, we bring institutional pension style investing to our retail clients.

Structured pools including a variety of private securities may be included in a portfolio for one or more reasons, including:

Improved portfolio diversification
Low correlation to public securities
Stable income stream
Long-term capital growth
Downside protection
Hedge against inflation

Harbourfront Wealth Management is the exclusive distributor of AMMPS available through its affiliated Investment Fund Manager, Willoughby Asset Management Inc. AMMPS are available to accredited investors through registered portfolio managers Harbourfront clients can contact one of our advisors today to learn more about AMMPS and how they can benefit your investment portfolio.

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