Discretionary Investment Management
Access Family Office Corp. provides discretionary investment management for business owners, professionals, high-net-worth clients, and widows who want a coordinated approach to their portfolio, financial plan, and long-term wealth objectives.
Every investment decision is made within the context of your broader financial picture, including tax planning, retirement income, estate planning, risk management, cash flow needs, and legacy goals.
Investment Management Guided by Your Full Financial Picture
At Access Family Office Corp., discretionary investment management begins with understanding your complete financial structure, not just your portfolio. We consider your goals, time horizon, risk tolerance, tax considerations, cash flow needs, and long-term planning priorities before making investment decisions on your behalf.
This planning-led approach allows your portfolio to support the life you are building, the responsibilities you carry, and the legacy you want to protect.
Our discretionary investment management strategies include advice and guidance on:
- Portfolio construction and asset allocation
- Investment selection and ongoing monitoring
- Tax-aware investment management
- Risk management and portfolio rebalancing
- Retirement income and cash flow planning
- Coordination with your broader financial, estate, and legacy plan
Your portfolio should not exist in isolation. Access connects investment management with financial planning, tax considerations, estate goals, and long-term wealth strategy, helping every decision work toward the bigger picture.
Wealth Management Made Simple
As discretionary portfolio managers, we assume responsibility for portfolio decisions – allowing trades to be executed efficiently and thoughtfully, without requiring day-to-day involvement from clients.
As accredited investors, our portfolio managers are able to access all different types of securities and investment opportunities – even those not available to the general public. These strategies are evaluated within a disciplined framework and used where appropriate to complement traditional portfolios.
Discretionary management also allows for greater efficiency in portfolio construction and cost management, supporting long-term outcomes through disciplined oversight, risk management, and execution.
How Fee-Based Investing Works
Fee-based investing provides ongoing portfolio oversight and alignment between advisor and client. Rather than being compensated by individual transactions or products, our advice is delivered through one transparent, tax deductible fee that includes all our services.
Portfolios are actively monitored and managed within a disciplined framework, incorporating both public and private investments where appropriate. Decisions are made in the context of each client’s broader financial structure, objectives, and risk considerations.
Clients also benefit from integrated advice across their financial lives. Our portfolio managers work collaboratively with tax, legal, and other professional advisors to ensure strategies remain coordinated and aligned as circumstances evolve.
This approach supports continuity, accountability, and clarity – key advantages of a fee-based relationship.
Safety & Security of your Wealth
All client assets are held directly at Fidelity Clearing Canada ULC, an independent third-party custodian and subsidiary of U.S.-based Fidelity Investments, which oversees approximately $15 trillion in assets under administration globally. Access Family Office Corp. does not take custody of client assets or handle client funds, ensuring a clear and deliberate separation between portfolio management and asset custody.
Fidelity Clearing Canada is responsible for approximately $380 billion in assets under custody as of January 6, 2026. The firm is a member of the Canadian Investment Regulatory Organization (CIRO) and the Canadian Investor Protection Fund (CIPF), providing clients with institutional-grade safeguards, independent reporting, and strong investor protection.
In client assets
Families Served
Years of advisory experience & Multi-generational Planning
Fee-based advice
Average client relationship
Why Use an Independent Portfolio Manager?
As an independent Portfolio Manager, Access Family Office Corp. is not constrained by proprietary products or distribution requirements. This independence allows investment decisions to be made objectively – based solely on suitability, risk considerations, and long-term objectives.
Our portfolios may incorporate public, private, and alternative investments where appropriate, selected within a disciplined framework and aligned with each client’s broader financial structure.
Independence also supports a planning-led approach. Investment decisions are coordinated with tax, estate, and broader financial planning considerations to ensure portfolios remain aligned as needs and circumstances evolve over time.
Access Family Office Corp. offers the kind of personalized service that only an independent portfolio manager can bring. Our expertise is always just a phone call away.
Discretionary Investment Management in Toronto, Mississauga, Ancaster and Southern Ontario.
Let the financial experts at Access Family Office Corp. grow and manage your investment portfolio with customized investment strategies that save you money in fees and taxes while getting you closer to your financial goals. We’re a full-service wealth management firm dedicated to preserving your family’s wealth.
Choose How Access Supports You
Access offers flexible financial planning and wealth management services designed to meet clients where they are. Whether you need focused insurance guidance, collaborative financial planning, full-service planning support, or complete wealth management with active investment management, our team helps you make confident decisions across your wealth, business, family, and future.
Access Formula
We’ve developed and refined a proprietary planning framework we call the Access Formula – our disciplined approach to guiding clients through complexity, addressing critical life and wealth events, and helping them move forward with clarity and confidence.
Client Testimonials & Case Studies
Who We Serve
We work with a select group of clients whose finances require thoughtful planning, coordinated advice, and long-term strategy. We support business owners, professionals, high-end wealth management clients, and widows with integrated guidance across financial planning, investment management, tax coordination, estate planning, and wealth transfer.
Business Owners
Simplying the complexity between business and personal finances, aligning each decision with defined goals, preserving wealth, and integrating strategies for maximum efficiency, allowing greater focus on running the business
Families
Helping families across generations steward wealth effectively, with strategies designed to preserve capital, reduce taxes, and support meaningful philanthropic goals.
Professionals
Supporting incorporated professionals by leveraging the advantages of incorporation, particularly where business and personal finances converge. Using strategies focused on tax efficiency, wealth accumulation, and preservation.
WIDOWS & WIDOWERS
Providing clarity and steady guidance during a time of transition. Helping organize financial decisions, understand what comes next, and build a clear path forward with confidence.
Frequently Asked Questions
How does Access charge for its services?
Access operates on a fully fee-based model. We do not earn commissions, accept referral fees, or receive compensation tied to any specific product or strategy. Fees are discussed during the Discovery Call and are tailored to the scope and complexity of each client’s situation.
Who holds my assets and how are they protected?
All client assets are held with Fidelity Clearing Canada ULC, an independent third-party custodian and subsidiary of U.S.-based Fidelity Investments, which oversees approximately $15 trillion in assets under administration globally.
Access Family Office Corp. does not take custody of client assets or handle client funds. This structure ensures a clear separation between portfolio management and asset custody.
Fidelity Clearing Canada is responsible for approximately $380 billion in assets under custody (as of January 6, 2026) and is a member of the Canadian Investment Regulatory Organization (CIRO) and the Canadian Investor Protection Fund (CIPF). Clients benefit from institutional-grade custody, independent reporting, and established investor protection frameworks.
Is there a minimum investment to work with Access?
Our work is collaborative and planning-led, designed for clients who value advice, discipline, and long-term alignment. While assets are an important component, they are not the sole determinant of fit. A client’s level of engagement and willingness to participate in the process are equally important.
In practice, families with $2-10 million or more in investable assets tend to derive the greatest benefit from our services.
Can Access work with my existing accountant or lawyer?
Yes. Coordination with a client’s existing legal and tax advisors is an integral part of our approach. This ensures that investment strategy, tax planning, and estate considerations remain aligned.
What happens after I become a client?
Our onboarding follows the Access Formula, a structured seven-step process that begins with a comprehensive assessment of your financial position and long-term objectives. A clear meeting cadence is established at the outset, so you know what to expect at each stage. Our process is ongoing and planning-led, not transactional.
How is Access different from a bank?
Access is an independent firm operating under a fiduciary standard as a registered Portfolio Manager with the Ontario Securities Commission. Our advice is objective, and every decision is made solely in the interest of our clients.
We operate on a fully fee-based model with no commissions or embedded compensation. This allows us to remain unbiased and to evaluate the full investment universe without constraint. Rather than being limited to a predefined shelf of often proprietary products, we are able to select and combine best-in-class strategies across managers, asset classes, and structures.
The result is a more deliberate, portfolio-level approach focused on alignment, risk management, and long-term outcomes.
Do I need a financial plan if I already have investments?
The short answer is yes. Investments are one component of a broader financial picture, but without a clear plan, they lack context and coordination.
A comprehensive financial plan connects your portfolio to your objectives, cash flow needs, tax considerations, and long-term priorities. It provides the framework for how capital should be allocated, the level of risk that is appropriate, and how decisions should evolve over time.
At Access, planning informs every investment decision. The portfolio is built to support the plan, not the other way around.
What should I consider when choosing a multi-family office?
Selecting a multi-family office is an important decision that extends beyond investment performance. It is a long-term relationship encompassing integrated planning, family governance, estate strategy, and generational wealth transfer.
Key factors to consider include:
Scope of integration
Look for a firm that coordinates across all aspects of your financial life, including investment management, tax planning, estate and legacy planning, and risk management. These areas should be integrated, not treated as separate silos.
Independence and objectivity
Confirm the firm operates independently, without affiliations to banks, product manufacturers, or financial institutions that could influence recommendations. Independence supports objective, client-first advice.
Fiduciary standard
Consider whether the firm is legally required to act in your best interest. In Canada, a registered Portfolio Manager is held to this fiduciary standard under securities law.
Planning approach
Evaluate how the firm brings structure to complexity. A disciplined, repeatable planning framework is a meaningful differentiator from firms that address issues on an ad hoc basis.
Family engagement
Assess whether the firm can support both the financial and human aspects of wealth, including governance, communication, succession, and preparing the next generation.
Fee transparency
Understand how the firm is compensated. A fee-based model helps align interests and reduces the conflicts often embedded in commission-based structures.
Custodial structure
Confirm that assets are held with an independent, regulated third-party custodian, ensuring a clear separation between portfolio management and asset custody.
Fit
The best multi-family offices are selective. Consider whether the firm’s client profile, philosophy, and approach align with your family’s needs and level of complexity.
The decision is not simply about finding a capable firm, but the right long-term partner for your family.
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