Malcolm B. Fletcher

CFP®, CA

• Certified Financial Planner®
• Chartered Accountant
• Member of the RocheBanyan team since 1996
• He has worked in thefinancial planning field since 1996
• Offers bilingual services

 

A “numbers don’t lie” kind of guy, I use a back-to-basics approach to tax and retirement planning and investing.  With a contrarian streak, annually we pare down positions in winners and top up investments that have lagged, as long as strong bottom-up fundamentals are unchanged.  Experience as an external auditor, corporate auditor, management consultant, and director of finance for an NGO have equipped me to ask tough questions of investment managers, and to be an advocate for every client.  My goal is to provide holistic financial planning to great people without resorting to gimmicks, chasing returns, endorsing “flavour of the month” approaches, or “get rich quick” schemes.  For over twenty years, I have fully disclosed the cost of doing business for every client, avoided over-priced investments, and worked assiduously to provide tangible value to every client, in both official languages.

 

I am known for tax planning, assessment of pension entitlements on a financial plan, design of “courage of conviction” portfolios that include large and small to mid-cap, domestic and global equities, corporate bonds, and infrastructure.  For clients in an income mode, we establish a liquidity reserve for at least 30 months, that is replenished annually by realizing gains on top-performers.  I am passionate about being able to tweak portfolios rather than be stuck with a “one size fits all, black box” in which every new dollar is invested, and from which every redemption is taken, without regard to winners and losers within.