Personalized service, integrity and independence are core values at Burgeonvest Bick Securities Limited (”Burgeonvest Bick”).
Our two like minded founding companies, Bick Financial Security Corporation (”Bick Financial”) which was formed in 1992 and Burgeonvest Securities Limited which was formed in 1997 have joined together to complement each other’s strengths and build upon collective expertise to better serve our clients and your needs.

Values Statements

Our Values are the foundation of our company’s culture. These Values define our corporate goals and behaviour; govern our personal behaviour; determined the choices we make, including choices between competing ethical alternatives; and most importantly dictate how we serve our clients.

We take a broad approach to investment advice, and a holistic approach to financial planning which considers a client’s stage in life, personal circumstances, risk tolerance, and investment and retirement goals. Our objective is to build meaningful relationships with our clients and their families.

Our Core Values

We are committed to act in client best interests with:

  • Integrity and honesty
  • Teamwork and interdependence
  • Innovation and a commitment to Continuing Education
  • Independence and objectivity
  • Community Responsibility

 

We believe that our reputation in both the industry and the community reflects these values.

Our Mission is to:

  • Provide knowledgeable, independent and unbiased advice.
  • Assist with custom tailored and personalized service to manage information, understand change, and deal with the realities of fluctuating investment markets.
  • Develop diversified portfolios to meet client objectives while helping to manage risk over the long term.
  • Preserve and maximize wealth with tested and proven wealth management strategies.

Investing
Mutual Funds
RRSP's
Exchange Traded Funds
Tax Free Savings Accounts
Equities & Bonds
Why Diversify
Are Mutual Funds & ETF's for Me
Socially Responsible Investing


Planning
Education Planning
Raising Financially Literate Teens
Retirement Planning
Cash Wedge

Insurance
Life Insurance
Estate Planning
Planned Giving
Guaranteed Withdrawal Programs
Living Benefits
Our Advisors


Working with an Advisor
Whether you are a new or experienced investor, your objectives and needs are unique to your situation.   Your Investment Advisor can be your navigator, objective second opinion, and/or a sounding board to help assess how well your investment strategies balance with your needs, risk tolerance and objectives.   When your needs and objectives extend to more than your investment strategy, then you need the services of a Financial Planner.

Financial planning is a process that sets a framework and road map for how you can steer toward your life goals and aspirations through the management of your financial affairs. As a first step toward achieving financial goals, establish a clear and realistic plan of how to reach them. Among the people to interview to develop your financial goals and plan are a number of financial professionals — investment counsellors, securities brokers, financial planners, and licensed insurance representatives who are trained to clarify your goals and help you develop a financial plan.

Obtaining investment and financial advice that is suited to you is about finding an advisor who is not just qualified to give advice, but more important aligns well with your personal comfort. Having the right person to help you develop a plan is an essential confidence builder to assist in the pursuit of your long term goals. The right advisor can help you choose appropriate investments, identify opportunities, and help avoid cost and costly mistakes that could misguide your investment and financial plans. As important as it is to earn competitive returns, considerations such as the proper alignment of your investment strategies to your objectives and the ability to stay invested are keys to long term wealth creation.

How Can a Financial Planner Help?

Financial planners can assist in many ways which are dependent on your personal situation and your intentions within a client /advisor relationship. A financial planner can:

  • Help you identify your short tem and long term goals;
  • Assess your current financial situation;
  • Clarify your investment objectives;
  • Design a customized and realistic strategy;
  • Provide options and referral opportunites on tax, retirement, and estate planning;
  • Estimate your insurance needs;
  • Keep you focused on long term goals

So where is the value of advice? It is in the comfort and security of a second opinion, the preparation of an independent plan for the future, and the potential benefit of better financial decisions through process and discipline.

Choosing an Investment Advisor or Financial Planner

You have many choices for investing. When choosing an investment advisor or financial planner, comfort and confidence in the ability of your advisor to make independent selection from a broad menu of investment alternatives is essential. You want someone who understands your objectives and risk tolerance, and who respects your opinions. The investment advisor or financial planner should also have the qualifications and experience to help achieve your investment and financial goals.

Things to consider when choosing your Financial Planner

 

#1 A Comprehensive Assessment and Long Term Planning
A good financial planner will take you through a step-by-step process to assess your present situation, taking into consideration current investments, savings, debts, insurance, income, and circumstances, as well as your short term and long term goals, and your tolerance for risk. They’ll then work with you to develop a comprehensive plan and communicate the steps to take.

#2 Qualifications
How long has the advisor been in the business? Have they worked with people like you? Can they provide references? In addition to asking questions such as these, a simple way to assess the level of a financial planner’s expertise is by their credentials.

#3 Disclosure on Compensation
Financial planners can be compensated in a variety of ways. You’ll want to find out whether the financial planner earns commissions on products sold or other upfront commissions, or earns annual fees.

#4 Provide Access To A Complete Range of Products
A well balanced investment portfolio may require a range of products from term deposits to market based investments. As well, an overall financial plan may need to include various insurance products. Can the financial planner provide access to these?

#5 The Financial Planner Should Be Backed By A Team of Specialists
Ideally, a financial planner should have access to a range of experts. A team approach facilitates broader advice you may require to meet investment, wealth management, insurance, or debt management objectives.

Your Responsibilities To Your Financial Planner

  • Ask questions
  • Commit to achieving your goals
  • Disclose information
  • Express your risk tolerance
  • Go to meetings prepared
  • Keep the financial planner  up to date on your situation
  • Keep documentation
  • Provide feedback about financial planner’s services
  • Respond quickly
  • Stay informed about your investments

Once you have chosen a financial planner, the real work begins. Like any relationship, a client/financial advisor relationship requires attention and continued maintenance. Ongoing and open communication is a key to a long term partnership. If you know what to expect from a financial planner and what a financial planner expects from you, you’re chances of success improve from the start.

Our Investment Advisors and Financial Planners are here to help recommend solutions. To learn more, please contact an Investment Advisor or Financial Planner today.

Your Financial Plan
Professional financial planning takes a holistic approach to an individual’s financial life. Qualified Financial Planners consider client goals, stage in life, personal circumstances and risk tolerance to make recommendations designed to grow and preserve wealth; consider taxation and estate planning issues; and assess insurance needs. In certain cases, a single advisor may be involved to help a client implement recommendations in a Financial Plan. In other cases, a number of professionals such as accountants or lawyers are required to implement recommendations.

Professional Financial Planning consists of a series of steps. We encourage clients to be familiar and comfortable with the process that is financial planning. Above all, it’s a big-picture, holistic approach that sets Professional Financial Planners apart from other professionals who may have been trained to focus only on one aspect of a client’s finances.

1. Assess Client’s Situation and Establish the Client-Planner Relationship:

    Explain issues and concepts related to the overall planning process as appropriate.
  • Explain the services we provide and the process of planning and documentation.
  • Clarify your responsibilities as a client, including providing full disclosure.
  • Clarify our responsibilities as your Financial Planner, including a discussion of how we are compensated.
  • Discuss the scope of the client/planner engagement.
  • Agree how you will make decisions.

2. Establish Client Goals, Priorities and Concerns:

  • Your Planner will obtain information about your financial resources, circumstances, and obligations through interviews and/or questionnaires.
  • Gather all the necessary documents before providing you advice.
  • Define your personal and financial goals, needs and priorities.
  • Investigate your values, preferences, financial outlook and desired results as they relate to your financial goals, needs and priorities.

3. Identify Current Problems and Opportunities:
Your Planner will analyze the information gathered and assess your current situation (cash flow, net worth). Problems and opportunities will be identified with respect to your:

  • Capital needs
  • Risk management needs and coverage
  • Investments
  • Taxation
  • Retirement planning
  • Employee benefits
  • Estate planning
  • Special needs (e.g. adult dependent needs, education needs, etc.)

Please note that your specific tax circumstances must be referred to your accountant and estate planning to your lawyer.

4. Provide Written Recommendations and Alternative Solutions:

  • Develop and prepare a financial plan with recommendations tailored to meet your goals and objectives, values, temperament and risk tolerance. Where estimates and projections are provided, they are on a best efforts basis and done for discussion and planning purposes. No guarantees, representations or warranties are provided or implied.
  • Present the plan to you and establish an appropriate review cycle.
  • Work together to monitor that your plan is progressing in aligniment with your goals and objectives.

5. Take Action on Implementation:
A Burgeonvest Bick Financial Planner will assist to implement the recommendations included in the financial plan. This may involve coordinating contacts with other professionals such as accountants, insurance agents and lawyers.

6. Perform Periodic Reviews, Updates and Revisions to the Plan:

  • Review progress of plan periodically to make adjustments to recommendations that may be required to help achieve financial goals.

Regular review will include:

  • Discussion about changes in your personal circumstances and how they might affect your goals.
  • Assess and evaluate the impact of changing tax laws and economic circumstances.
  • Assess your life circumstances and adjust the recommendations if needed as those circumstances change through life events such as birth, illness, marriage, retirement, etc.

Our Advisors
The right investment and financial Advisor can make a significant difference. Burgeonvest Bick Securities Limited Advisors have both the depth of background and experience to help navigate investment and financial environments with integrity, knowledge, and independence. Our Advisors also understand that the most important ingredient to success in our client relationships is a singular principle -- know our clients.
Burgeonvest Bick's promise to you is:

  • Professional Advisors who share a belief in our Mission and Values - independent, objective and unbiased advice and service.
  • A full range of investment offerings which allow our Advisors to customize a portfolio to maximize products and services that are suitable and appropriate for you in an environment free of corporate pressures or influences.
  • Personalized and customized service.
  • Fee and compensation disclosure with maximized transparency.
  • Useful technology such as online financial tools, online account access, and access to online information sources.

Investment Banking
Business clients can access Burgeonvest Bick Securities’ expertise in investment banking and corporate finance.    Our services include:

  • Public Stock Offerings
  • Equity Financing and Advisory Services
  • Debt Financings
  • Collateral Based Financing
  • Valuations
  • Regulatory Compliance
  • Expert Witness Services
  • Mergers & Acquisitions
  • Distributions of Securities
  • Syndication Formation and Participation

In certain cases, we may provide clients with standby underwriting facilities from a related company.

 

Tax Effecient Investing
Private Corporations
Tax Efficient Income
Dividends in your Corporation
Managing After Tax Returns
Flow Through Shares
Our Advisors

 

Insurance Solutions
Employee Benefits
Business Insurance
Disability Insurance
Life Insurance


Business Class Concierge
Henry David Thoreau suggested, “Be not simply good; be good for something.”

It is said that success in any pursuit requires good judgment and sound advice. This is true in the pursuit of long term financial well-being. Whether your concerns include education for your children, intergenerational planning or building for retirement, an Investment Advisor or Financial Advisor can help you find solutions.

A Financial Planner is dedicated to develop a dynamic financial plan with your goals as a guide. We believe that comprehensive investment counseling may require more than one professional so we assemble a team of professionals with extensive experience to assist you.

Depending on the complexity of your situation, specialists may be required that are not from our firm.   We are sensitive to your specialized needs and as part of our concierge service, will draw on relationships with specialists that are known to us.   If needed this service allows us to provide you with several referrals that you can contact and select from.

Here are examples of areas where Burgeonvest Bick along with our concierge partners can help.

Select Portfolio Managers   
Tax & Estate Specialists 
Legacy Planning
Capital Preservation Personal Banking Consultants Private Corporation Set-up
Education Planning Socially Responsible Investing   
Succession Planning
Planned Charitable Giving Business Accountants Inter-generational Planning
Business Intermediaries Risk Management

We will help to strategically manage the relationships necessary to your plan so you can focus on what is important in your life, or we will provide referral options to facilitate your efforts to work directly with outside professionals. Burgeonvest Bick however makes no explicit or implied representations and warranties.

Our Investment Advisors and Financial Planners are here to help recommend solutions. To learn more, please contact an Investment Advisor or Financial Planner today.


Group RRSP
Burgeonvest Bick Securities Limited does not offer Insurance Products. All such products are offered through our affiliated company, Burgeonvest Insurance Corporation.

Small and medium-sized companies often feel unable to match the sophisticated benefit plans offered by large organizations. As a business owner, you should consider adding a group registered retirement savings plan (”GRRSP”) as an employee benefit.   GRRSPs will help both businesses and employees set aside money for the future.

Reasons organization should have a Group Retirement Savings Plan*

  1. Increased Productivity*
    When plan members spend less company time attending to their personal financial matters, plan sponsors can expect less absenteeism.
    *Source: Pensions and Benefits Monitor – April 1999
  2. Reduced Turnover*
    56% of individuals surveyed said they would be reluctant to leave employers who have a Group RRSP plan and other benefits.
    *Source: The Benefits Canada survey on Capital Accumulation Plan Members Nov. 2006
  3. Incentive To Attract And Retain Employees *
    Having a group plan can help employers retain existing employees and attract new, qualified candidates because it differentiates them from competitors.
    *Source: Advisor’s Edge, April 2004

A Group RRSP is simply an effective way to bundle retirement plans belonging to several individuals with a common employer who are making contributions by way of at-source payroll deductions.

Group plans offer an effective way to save.

A Group RRSP is an affordable and flexible alternative to assist your employees with their retirement if it is not feasible to implement a traditional pension plan, and it does not burden the employer with large financial or legal commitments.

Financial Planners are here to help recommend solutions. To learn more, please contact a Financial Planner today.

 

Strategies that involve the use of insurance and related products and services are offered by licensed representatives operating through our Affiliate company, Burgeonvest Insurance Corporation.

 

“Reasons organizations should have a Group RRSP” courtesy of Mackenzie Financial.


Our Advisors
The right investment and financial Advisor can make a significant difference. Burgeonvest Bick Securities Limited Advisors have both the depth of background and experience to help navigate investment and financial environments with integrity, knowledge, and independence. Our Advisors also understand that the most important ingredient to success in our client relationships is a singular principle -- know our clients.


Burgeonvest Bick's promise to you is:
  • Professional Advisors who share a belief in our Mission and Values - independent, objective and unbiased advice and service.
  • A full range of investment offerings which allow our Advisors to customize a portfolio to maximize products and services that are suitable and appropriate for you in an environment free of corporate pressures or influences.
  • Personalized and customized service.
  • Fee and compensation disclosure with maximized transparency.
  • Useful technology such as online financial tools, online account access, and access to online information sources.

Corporate Citizenship
The communities where our clients and employees live and work are important to us and we’re committed to their ongoing strength and vitality. Since the inception of both our founding companies we have been focused on making a difference by supporting the causes, events, and charities that matter. Together as Burgeonvest Bick Securities Limited we continue with the spirit of supporting many causes ranging from healthcare/social needs to sports, from the arts to education, and other causes between.

As well, Burgeonvest Bick employees are regularly involved in our communities as volunteers, board members, and committee members. We help organize community events and particpate as coaches. We’re very proud of their efforts and committment.

Burgeonvest Bick Securities Limited is proud to be an active and responsible corporate member of our communities. We and our employees contribution over $200,000 annually to support the following organizations:


Socially Responsible Investing
Socially responsible investing, also known as sustainable investing, socially-conscious or ethical investing, describes an investment strategy which seeks to maximize both financial return and social good.

It’s about advancing social equality, protecting our ecosystems, and ensuring corporations are accountable to their stakeholders. But it’s also about improving the financial well-being of investors. SRI Mutual Funds seek to generate competitive returns on investments while keeping investment costs below average.

By investing in SRI Funds you pool your money with like-minded people to fuel environmental and social change. SRI Funds invest in companies on the basis of their environmental, social, and governance performance, as measured by specialized criteria, and uses shareholder action to engage management in dialogue when it is clear that companies could be doing better.

 

Planned Giving
During our lifetime, we often measure our success by our tangible accomplishments. While these are important, we can also influence the lives of others and have an impact on the communities where we live. The federal government is making it more attractive for Canadians to donate to their favourite charities. By eliminating capital gains tax on donations of publicly traded securities to charitable organizations, the government allows each of us to save even more taxes when we donate to registered charities.

Before the rule change, donors would sell their securities and pay tax on any capital gains. Now, individuals can donate the securities directly; fully avoid paying tax on capital gains; and potentially donate even more to theie favourite charity.

The following are some general tax saving strategies using charitable donations.   For specific tax advice regarding your personal tax circumstances contact your tax advisor.

Donate Shares Prior to Selling Them

As described, by avoiding capital gains tax on the sale of shares donated to a registered charity, your tax net refund will be greater than if you had sold those shares and paid capital gains taxes.   If you wish, this larger tax refund is available to you to make even larger donations to charity.

Donate Cash Received from Sale of Shares

For those wishing to hold their shares, tax relief can still be achieved if cash is donated to charity.

Planned Giving (Deferred Giving)

Planned Giving can also be referred to as deferred giving. Deferred giving means that you donate a specified asset today to receive income tax benefits, while the physical receipt of the asset by the charity is deferred for a period of time, often after your lifetime (and that of a surviving beneficiary, if you wish).

An example of this would be deeding to a charitable organization a remainder interest in your home while you retain full use of the property for life.   The key feature of a planned gift is that it allows the donor to earn a tax benefit today and the charitable organization is assured of a physical donation tomorrow.

The Benefits of Planned or Deferred Giving

Some of the ways you can benefit financially through a planned gift.

  • You receive an income tax deduction for a portion of the current value of your contribution. You’ll also avoid tax on long-term capital gains on gifts of appreciated property.
  • You can potentially avoid investment responsibilities on the assets you donate.

Personal Foundations

Creating your own foundation provides you with a legacy of giving.   Many fund companies have established programs that enable individuals to create their own foundations (see your financial planner or investment advisor for more information).   Also,by involving your children in your personal foundation, you are passing on your most essential values – the importance of giving back to your community and helping those less fortunate.

None of the foregoing is to be considered tax advice.   When contemplating a tax action consult with a qualified tax professional.


Strategies that involve the use of insurance and related products and services are offered by licensed representatives operating through our affiliated company, Burgeonvest Insurance Corporation.


Our Advisors
The right investment and financial Advisor can make a significant difference. Burgeonvest Bick Securities Limited Advisors have both the depth of background and experience to help navigate investment and financial environments with integrity, knowledge, and independence. Our Advisors also understand that the most important ingredient to success in our client relationships is a singular principle -- know our clients.

Burgeonvest Bick's promise to you is:
  • Professional Advisors who share a belief in our Mission and Values - independent, objective and unbiased advice and service.
  • A full range of investment offerings which allow our Advisors to customize a portfolio to maximize products and services that are suitable and appropriate for you in an environment free of corporate pressures or influences.
  • Personalized and customized service.
  • Fee and compensation disclosure with maximized transparency.
  • Useful technology such as online financial tools, online account access, and access to online information sources.
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