Fees That Reflect
What You Actually Hold.
Most fee structures reward the advisor for accumulating assets, regardless of effort or complexity. Ours are built differently. Priced by asset class, adjusted for the time your relationship genuinely requires, and designed to put more of your money to work.
What Would Our Fees Save You?
Set your own starting point, monthly savings, timeline, and expected return. The chart compares the same portfolio under Maple Groove's blended example rate and the industry-standard tiered rate, and it updates as you move the controls.
For illustration only. Assumes a constant 7.0% gross annual return every year and Maple Groove's blended example rate of 0.5725% (35% ETFs, 30% equities, 20% fixed income, 10% mutual and private funds, 5% cash). Your actual Maple Groove fee depends on what you hold. Fund MERs and third-party costs are excluded from both lines. This is not a projection or a promise of performance.
Our Rates vs. Industry Standard
Traditional advisors charge a single flat percentage on your total assets regardless of what you hold. Maple Groove prices each asset class individually. The difference compounds every year.
Guaranteed investment certificates and cash equivalents held within your account carry no advisory fee.
Exchange-traded funds, one of the most cost-efficient vehicles in the portfolio, priced accordingly.
Bonds, preferred shares, and other fixed-income instruments, including private credit and structured notes.
Actively managed funds, private equity structures, and alternative investment vehicles.
Individual stocks, new issues, IPOs, flow-through shares, options, and direct equity positions.
Every Maple Groove model portfolio is priced at a flat 0.70% a year on the assets in it, taken out as it accrues, in place of the asset-class rates above. Each fund's own fees are inside its prices.
* Base advisory fees only. Fund MERs and third-party transaction costs disclosed separately in your client agreement and annual fee disclosure statement as required by CIRO.
| AUM Tier | Annual Fee |
|---|---|
| $250,000 to $749,999 | 1.35% |
| $750,000 to $999,999 | 1.15% |
| $1,000,000 to $4,999,999 | 1.00% |
| $5,000,000 and greater | 0.85% |
Industry tiered pricing applies one flat rate to your entire portfolio based on which bracket your total assets fall into. The rate does not reflect what you hold or the complexity of your situation.
A portfolio of 35% ETFs, 30% equities, 20% fixed income, 10% private/mutual funds, and 5% cash blends to a Maple Groove advisory fee of:
vs. 1.35% industry standard at the same AUM level: a difference of 0.78% annually on every dollar.
A Fee That Moves With the Relationship
The base rate is the starting point. For relationships that require a significant and sustained investment of time, including complex planning, frequent strategy sessions, and multi-entity structures, fees may be adjusted upward through an open, transparent conversation. There are no surprises. If the scope of work changes materially, we discuss it before anything changes.
Clients investing at a larger scale who require proportionally less of my time have a genuine opportunity to see their fees reduced below the base rate. You should not have to accumulate a specific dollar threshold just to earn a discount you may already deserve. If the work is lighter and the assets are substantial, the fee reflects that reality.
At every $10 million milestone in total client assets under management, I pause to check in with existing clients before taking on additional growth. This is a deliberate choice. Capacity matters. Service quality matters. The clients already in the relationship deserve to know that growth is being managed thoughtfully, not chased indiscriminately. It is one of the ways Maple Groove remains a boutique practice rather than becoming a volume business.
Why the Numbers Are What They Are
Competitive fees are not a concession. They are a product of how this practice is built. Do not mistake low cost for low capability. The combination of credentials, technology, and structure here is uncommon in Canadian wealth management.
Operating without a physical branch network eliminates one of the largest fixed costs in traditional wealth management. That saving flows directly to you.
No layers of middle management, no redundant administrative infrastructure. A streamlined operation means every dollar of fee is working for your portfolio, not subsidizing bureaucracy.
A purpose-built tech stack, proprietary analytical tools, and automation in appropriate areas of the practice reduce manual effort and improve precision. No corners are cut where human judgment matters most.
Holding both investment dealer and financial planning credentials, alongside specialized options licensing, means fewer handoffs, fewer advisors, and a more coherent strategy. All of it under one advisor.
"Low fees should never be confused with limited value. Maple Groove exists for one reason: to keep more of Canadians' hard-earned wealth in Canadian hands, and to grow it with the same precision and access that has historically been reserved for institutional investors."
Ready to work with a modern advisor?
Every portfolio is different, and a blended rate ensures more money in your pocket.
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