What Most Advisors Won't Tell You About Your Own Money

You don't own it. They do. Your holdings sit inside pooled funds controlled by someone else — wrapped in layers of fees you never agreed to and can't easily see.

Direct investing changes that. Every stock, every bond, every dollar — held in your name, visible on your statement, and working for your family. Since 2009, Savard Qtrade has built transparent portfolios for owner-operators and family businesses across Ontario.

See If We're a Fit How It Works

16 Years of Measurable Results for Business Owners

These aren't projections or back-tested models. These are audited figures from real client accounts — owner-operators and family businesses we've served since founding in 2009.

$285M+

Assets Under Direct Management

Every position held directly in client names — no pooled funds, no wrappers

94%

Client Retention Since 2009

Our clients stay because they finally understand what they own and why

$31,400

Avg. Annual Fee Savings Per Household

Exposed through our Fee Autopsy — MERs, trailers, and embedded costs revealed

See real client outcomes with documented savings in our case studies.

Direct Portfolios Built Around Your Business, Not Around a Product Shelf

Every service starts with what you actually need — not what generates the highest commission. Explore the details on our services page.

Direct Equity Portfolios

18–30 hand-selected positions in individual stocks — held directly in your name on your custodial account. Full visibility into every company, every dividend, every dollar of growth. No fund wrappers. No mystery holdings.

Fixed-Income Ladders

Government and investment-grade corporate bonds structured across staggered maturities. Known cash flows on known dates — designed to match your withdrawal needs and reduce reinvestment risk. Zero surprises.

Corporate Surplus Deployment

Retained earnings sitting idle in a business chequing account lose purchasing power daily. We build tax-efficient investment strategies inside your holdco or opco to put surplus capital to work — without jeopardizing operating liquidity.

Tax-Efficient Structuring

Strategic asset location across personal, RRSP, TFSA, corporate, and spousal accounts to minimize annual tax drag. Clients typically recover $10K–$50K per year in savings that their previous advisor never surfaced.

Fee Autopsy

A line-by-line forensic review of what your current portfolio actually costs — MERs, trailer fees, DSC charges, embedded advisor compensation, and trading spreads. Every hidden dollar, documented on a single page. Complimentary and zero obligation.

Succession Architecture

Multi-generational wealth transfer structured with full transparency — estate freezes, family trusts, and our Next-Gen Stewardship program that educates your children on the assets they'll one day inherit. No black boxes. No surprises for your heirs.

Built for People Who Built Something Real

We don't serve everyone. Our clients are owner-operators, founders, and family businesses with $500K–$15M in investable assets. They've spent decades building companies. They expect the same rigour from the people managing their wealth.

Manufacturing

CNC shops, fabricators, precision tooling

Skilled Trades

HVAC, electrical, plumbing contractors

Healthcare

Dental, medical, veterinary practices

Food & Beverage

Restaurants, distributors, specialty producers

See all industries we serve →

Owner-Operators Who Made the Switch — In Their Own Words

Real clients. Real businesses. Read their full stories in our case studies.

I built my business from a single truck and a phone book. I don't trust things I can't see and understand. Marc-Antoine didn't just manage my money — he showed me exactly what I own and why. For the first time, I look at my investment statement the same way I look at my own balance sheet. And we're saving over $40,000 a year in fees I didn't even know I was paying.

Rob Takacs Owner, Fieldstone Mechanical Services Inc., Brampton, ON

We had three different advisors, fourteen overlapping funds, and no one could explain why. Savard Qtrade laid it all out on a single page — every dollar of hidden cost, every redundant holding — and then built us a clean, direct portfolio that we actually understand. My wife and I finally feel like we're on the same page about our money.

Domenic Caruso Founder, Domenic & Sons Fine Foods Ltd., Vaughan, ON

The Builder's Blueprint program changed my perspective entirely. I went from someone who thought investing was gambling to someone who genuinely understands what a dividend yield means and why I own Fortis. Savard Qtrade didn't just invest my money — they invested in me. That kind of education is rare, and it's changed how our whole family talks about money.

Karen Takacs Co-Owner, Fieldstone Mechanical Services Inc., Brampton, ON

From First Call to Fully Invested in Six Clear Steps

No surprises. No pressure. Our six-step process is designed so you understand every decision before it's made — and you control the pace.

Discovery Call

20 minutes. We listen. You decide if there's a fit.

Fee Autopsy

We dissect your current costs — no charge, no obligation.

Strategy & Build

Custom portfolio designed, reviewed, and constructed — together.

See the Full Six-Step Process

No Pitch. No Pressure. Just Clarity on What You're Actually Paying.

Request a complimentary Fee Autopsy and discover — in exact dollar terms — what your current portfolio costs you every year. Most owner-operators are surprised by what they find. The average household we audit is overpaying by $31,400 annually in fees they never knowingly agreed to.

Same-day callbacks for messages received before 4 PM EST. Or call us directly at (205) 866-8829.

Request Your Free Fee Autopsy Learn About Our Team

What Most Advisors Won't Tell You About Your Own Money

16 Years of Measurable Results for Business Owners

Direct Portfolios Built Around Your Business, Not Around a Product Shelf

Direct Equity Portfolios

Fixed-Income Ladders

Corporate Surplus Deployment

Tax-Efficient Structuring

Fee Autopsy

Succession Architecture

Built for People Who Built Something Real

Owner-Operators Who Made the Switch — In Their Own Words

From First Call to Fully Invested in Six Clear Steps

No Pitch. No Pressure. Just Clarity on What You're Actually Paying.

Important Disclosures