Investment & Fee Structure

Transparency is the foundation of our client relationships. We charge clear, straightforward fees with no hidden commissions and no product sales. The ranges on this page reflect what most clients typically invest — your own fee depends on the complexity of your situation, and you’ll always have it in writing before any work begins.

Talk to Expert

Unbiased Financial Advice

Our experts give honest guidance that helps you build wealth and achieve your dreams.

Long Term Partnership

We build lasting relationships focused on your financial growth and security to work long term.

Transparent Fee Structure

We keep our pricing transparent from day one so you invest with complete confidence.

How an Engagement Typically Begins

1. Introductory Call — Free.

A short video call to understand your situation and whether we’re the right fit for it. No advice is given on this call.

2. Discovery & Scoping Session.

A working session where we review your documents in advance and map your key risks, timing, and planning priorities. You leave with written notes and a fixed quote for anything further.

2. Engagement.

We build and implement the plan we scoped, at the price we quoted.

For clients with $500K+

Portfolio management

Estate planning

Quarterly reviews

Integrated investment and tax planning

Tax optimization and filing coordination

Unlimited access to both Waqar and Narinder

WANVORA Wealth Management integrates investment management and tax strategy from the start. Our founding partners combine CFA investment expertise with CPA tax planning to deliver coordinated solutions for complex cross border wealth.

ANNUAL RETAINER

From 0.75%
Annually

$15k – $50k
Typical range

* Most clients fall between 0.75% and 1.25%, depending on portfolio size and complexity.

Where the Value Comes From

When investment decisions and tax planning are handled together rather than separately, the after-tax result is usually better than the sum of the parts — through asset location, timing of realizations, loss harvesting, and treaty planning on cross-border holdings. How much better depends entirely on your holdings, your residency, and your timeline. Rather than quote an average, we’d rather walk you through the specific opportunities we can see in your own situation.

Specialized Project-Based Services

For clients who need specific expertise without ongoing management

Departure Tax Planning

  • Emigration strategy
  • Section 116 compliance
  • Tax treaty optimization
  • Post-departure planning
Typical FeeFrom $10k
Typical Timeline4–8 weeks

Cross-Border Estate Planning

  • Multi-jurisdiction strategy
  • Trust structuring
  • Tax minimization
  • Wealth transfer planning
Typical FeeFrom $5k
Typical Timeline6–12 weeks

Business Exit Planning

  • Exit strategy
  • Tax-efficient structuring
  • Post-sale planning
  • Family succession
Typical FeeFrom $15k
Typical Timeline3–6 months

Executive Compensation

  • Stock option strategy
  • RSU planning
  • Deferred compensation
  • IPP/RCA setup
Typical FeeFrom $5k
Typical Timeline4–8 weeks

Final pricing depends on the complexity of your situation — corporations, real estate holdings, U.S. tax exposure, trusts, and prior-year filings all affect scope. You’ll receive a fixed quote before any work begins, so there are no surprises.

Portfolio Management Only

For clients seeking investment management without full planning

  • Quantitative portfolio construction
  • Tax efficient asset location
  • Rebalancing and tax-loss harvesting
  • Performance reporting
Typically 0.75% – 1.25%
Annual Fee
Minimum $1M

What’s Included in All Engagements

Direct access to both founders
Transparent reporting
Secure client portal
24–48 hour response time
Proactive planning
Advisor coordination

How We Compare

WANVORA
Big Bank
Robo-Advisor
Fees
Typically 0.75%–1.25%
1.5%–2.5%
0.4%–0.5%
Tax Planning
Advanced
Basic
None
Cross-Border Expertise
Specialized
Refer out
Not available
Personal Service
Direct access to CFA + CPA
Junior advisors
Algorithm only
Minimum
$500k+
$500K–$1M
None
Product Sales
No products
Yes
ETFs only
Investment Approach
Quantitative, tax-optimized
Generic
Passive
Overall Value
★★★★★
★★
★★★

FAQ’s

Our fee is intended to be all-inclusive. The two costs that sit outside it are custodian fees, typically under 0.1%, and the underlying expense ratios of the funds we use — we keep those low by using low-cost ETFs. If anything else were ever to apply to your account, you’d know before it was charged.

Our fees sit in a similar range to most independent Canadian wealth firms, and are generally below what large private-wealth divisions charge — though this varies by firm and by account size. What differs more than the number is what’s included: tax planning and filing coordination are part of our fee rather than a separate engagement.

Our pricing reflects the depth of work involved and the limited number of families we take on, so we don’t discount as a matter of course. That said, the range exists for a reason — larger portfolios and unusually complex situations are quoted individually, and that’s a conversation worth having.

Our clients are individuals, families, and business owners across Canada who have built something worth protecting, and who want it managed carefully rather than aggressively.

What most have in common is complexity that one advisor can’t cover alone — a corporation, property or family in more than one country, stock compensation, or a plan to leave Canada at some point. Many are entrepreneurs, executives, or professionals. A good number are expats, non-residents, or Canadians with U.S. tax exposure. If your situation touches more than one tax system, that’s usually when we’re the right call.

Your money is held in trust, in accounts registered in your name at a regulated Canadian custodian. You own the assets. We provide the recommendations, implement the strategy you’ve agreed to, and administer the account — but only you, or someone you have legally designated, can move money in or out of it, regardless of what it holds.

Financial services is among the most tightly regulated industries in Canada and we follow those standards closely. Your personal information is handled under PIPEDA and held on secure systems. You can view your statements online at any time, and we review the account with you on a regular schedule.

Ongoing wealth management typically starts at 0.75% of assets annually. Project-based work starts at $5,000, depending on the service. Final pricing depends on complexity, and you’ll receive a fixed quote in writing before any work begins.

Complexity more than size. Whether you hold a corporation, real estate in more than one country, U.S. tax exposure, trusts, stock compensation, or unfiled prior years. A straightforward $3M portfolio sits near the bottom of the range; a $3M portfolio with a holdco and U.S. property sits nearer the top.

For comprehensive wealth management, we maintain a $500K minimum to ensure we can deliver meaningful value relative to our fees. However, we offer project-based services (departure tax, estate planning, etc.) with no account minimums.

Asset-based fees are billed quarterly in advance and deducted from your account. You’ll see the amount and how it was calculated on every statement.

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