Solutions
Grow your wealth with tailored investment strategies—covering every aspect of your personal, family, and business assets.
Comprehensive support for your financial needs
Your wealth manager works with a diverse network of professionals to develop comprehensive strategies for managing your finances.
Our specialized guidance is fully aligned with your priorities, with one clear goal: helping you make your plans a reality.
Investments
Our leading expertise in financial markets makes us a trusted partner to grow and optimize your wealth. Regardless of the service you choose, you benefit from tailored investment strategies and a diversified range of solutions.
Investment advisory services
Your wealth manager
Compensation methods
- Fees: Our exclusive Elite Program offers fee-based advisory services based on the value of your assets, which comes with several pricing advantages.
- Commission: You pay fees on a per-transaction basis, which may be more cost-effective if you only make a few trades per year.
Discretionary management service
A portfolio manager executes the purchase and sale of your investments on your behalf, in accordance with a clear investment policy they’ve drawn up with you. This allows you to maximize your portfolio’s return potential while minimizing the time you spend managing it.
Fees
Fees are calculated as a percentage of your assets. Consolidating your portfolio with those of your family members may offer additional advantages.
Other aspects of our comprehensive approach
Depending on your needs, your wealth manager may draw on the expertise of professionals within their network to provide comprehensive management of all aspects of your wealth.
Financial planning
Financial planning provides a complete overview of your financial situation, helping you prepare for retirement, reduce your tax bill, protect your wealth and more.
Our structured and personalized approach includes understanding your needs, goals and investor profile, as well as drawing up your financial plan and reviewing it regularly based on changes in your situation.
Retirement planning
Your wealth manager helps you prepare for retirement with a comprehensive plan that anticipates the funds needed to achieve your goals and includes an optimal withdrawal strategy.
They'll regularly review and adjust your plan to reflect your evolving needs and circumstances.
Estate planning
With the help of experienced professionals, your wealth manager can guide you through every stage of estate planning.
- Assessing your legal documents, conducting an estate inventory, and setting up optimized strategies
- Support during the estate settlement process
- Guidance for your heirs to help them build or consolidate their wealth
Personal trust services
Our trust managers are there to support your loved ones in managing your estate.
- Asset management in case of incapacity
- Comprehensive estate settlement services
- Administering testamentary trusts
Financing, credit and transaction solutions
Our professionals create personalized financing strategies to help you carry out your projects and manage your day-to-day finances.
You also have access to a range of exclusive products and services, including tailored account packages, premium credit cards, and US financial services through Desjardins Bank.
Tax planning
Our tax specialists can help you optimize your income and reduce your tax bill by:
- Providing a clear overview of the tax advantages and disadvantages of your current situation
- Developing strategies to minimize the tax impact of your financial decisions
- Considering the tax implications of your personal and financial goals
Wealth protection
Our financial security and insurance specialists offer insurance products designed to protect you and your loved ones from the unexpected.
These products help you preserve your financial security, maintain your retirement income, maximize the value of your estate, and protect your personal and business assets.
Philanthropy
We can support you in making your philanthropic goals a reality in several ways:
- Planning a giving strategy that allows you to support the causes you care about while maximizing your tax benefits
- Creating a philanthropic fund through the Desjardins Foundation for simple and flexible donations
- Establishing an investment strategy to create a private foundation
Our business expertise
As a business owner, your investment and financing needs are often complex. You may also have tax-related concerns and want to start planning an effective succession strategy—whether you want to sell or transfer your business.
Your wealth manager is by your side to offer solutions tailored to your company’s specific needs and to help ensure its long-term success.
