FAQs — Wiseman Capital

Frequently Asked Questions

Wiseman Capital is an independent investment firm that helps Canadians manage and grow their investments with structure, clarity, and intention.
The firm is built around a focused approach to investing. Rather than trying to cover every aspect of financial advice, Wiseman Capital centers on one core area: managing investment portfolios in a disciplined and coordinated way.
Clients work directly with the founder and have access to professionally managed investment solutions, with a clear and transparent fee structure.
I work with individuals, families, and corporations who are looking for a more thoughtful, disciplined approach to investing, and who value clarity, structure, and intention in how their capital is managed.
Wiseman Capital works with clients across British Columbia, Alberta, and Ontario.
There is no strict account minimum.
Wiseman Capital is built to work with clients at different stages, whether you’re just getting started or consolidating existing investments.
Clients can begin with a lump sum deposit, ongoing contributions (typically starting at $100 per month), or by transferring existing accounts. In many cases, a combination of these is used to build and coordinate the portfolio over time.

Our core focus is investment management, centered on helping clients select and maintain professionally managed portfolios with structure, discipline, and clear intention.
Financial planning is incorporated where it supports investment decisions and helps connect the portfolio to your broader goals. This includes considerations such as account structure, asset location, and tax-aware positioning, where appropriate.
Initial meetings are conducted securely over Microsoft Teams, making it easy to connect from anywhere.
For clients in the Vancouver area, in-person meetings are also available as needed, including during the onboarding process.
Yes, financial planning is incorporated where it supports investment decisions and helps connect your portfolio to your broader goals.
This can include areas such as cash flow, timelines, and how your accounts are structured, with a focus on making sure your investments are aligned with what you’re working toward.
For more specialized needs, such as estate or insurance planning, we can coordinate with trusted professionals where appropriate.

Fees are based on a percentage of the assets we manage.
The advisory fee is tiered and decreases as your portfolio grows, generally ranging from approximately 0.95% to 0.35% annually, depending on account size.
This approach keeps the structure straightforward and ensures the fee remains connected to the size of the portfolio over time.
In addition to the advisory fee, each portfolio has underlying investment management costs associated with the funds used.
These are built into the portfolio and vary depending on the investment solution selected.
There may also be small administrative or account-related fees in certain situations, which are disclosed in advance.

Yes. Your information is securely handled through our custodian and client portal, both of which use industry-standard encryption and security protocols.
Wiseman Capital operates under a CIRO-regulated dealer, and all onboarding and account processes meet Canadian regulatory and privacy requirements.
Your investments are held with a regulated third-party custodian through Agora Dealer Services, not with Wiseman Capital.
Your accounts are set up so that your assets remain in your name and are kept separate from any dealer or firm assets.

You can start by booking a discovery call through the contact page.
We’ll talk through your situation, your goals, and what you’re looking for, and determine if there’s a good mutual fit.
If it makes sense to move forward, the onboarding process is streamlined, secure, and handled digitally from start to finish.
Yes. We handle the transfer process and coordinate directly with your current institution to make the transition as smooth as possible.
Some institutions may charge transfer-out fees. For accounts of $25,000 or more, these are often reimbursed, and we’ll review any potential costs with you in advance so there are no surprises.
Yes. You can request to transfer your accounts or withdraw funds at any time, subject to the terms of the specific account.
If you decide to move your investments elsewhere, we’ll coordinate the transfer and support a smooth transition.