Generated by All in One SEO Pro v5.0.1.1, this is an llms-full.txt file, used by LLMs to index the site. # Nest Wealth | More value, lower fees Digital Wealth Management that puts you first ## Posts ### [NW — Blog Ajax](https://nestwealth.com/nw-blog-ajax/) **Published:** October 18, 2023 **Author:** Lorenzo Noventa **Content:** ## Blog ## Blog Nothing found. Nothing found. **Categories:** TEST 2024 --- ## Pages ### [Nest Wealth: established Roboadvisor, convenient Client Portfolio Management](https://nestwealth.com/) **Published:** December 12, 2023 **Author:** Lorenzo Noventa **Excerpt:** Reach your personal financial goals with a sophisticated wealth management solution, designed to enhance the efficiency of financial advisors. **Content:** More value, lower fees # **DIGITAL WEALTH MANAGEMENT THAT PUTS YOU FIRST** [Are you an Investor?](#for-investors)[Are you a Professional?](#for-professionals) ## INVESTORS ### Build a portfolio in minutes By answering just a few questions, you can build your own personalized portfolio in as little as five minutes. ### Monitor your savings Watch your money grow and track your progress toward your financial goals. ### Unlimited access to support Your account is managed by a professional, experienced portfolio manager. Our support team is here to help you every step of the way. ### Simple and solid Portfolio Management ![](https://nestwealth.com/wp-content/uploads/2024/06/Nw_Direct.png "Nw_Direct - Nest Wealth | More value, lower fees") [Nest Wealth Direct >](/simplified-wealth-management-for-individual-investors/) Reach your personal financial goals with a sophisticated wealth management solution - [Investment portfolios tailored to your needs](/simplified-wealth-management-for-individual-investors/#nest-wealth-direct-features) - [Keep your Goals on track with periodic rebalancing](/simplified-wealth-management-for-individual-investors/#nest-wealth-direct-features) - [Monitor value over time](/simplified-wealth-management-for-individual-investors/#nest-wealth-direct-features) - [Your customer support agent at reach](/simplified-wealth-management-for-individual-investors/#nest-wealth-direct-features) Create your Portfolio now! [GET STARTED](https://join.nestwealth.com/?cta=join_form) ## Fixed monthly fees You know in advance how much our fee is: it only depends on the value of your portfolio. [![Nest Wealth fees for Direct clients](https://nestwealth.com/wp-content/uploads/2025/03/monthly-fees.svg) ](/pricing) [![Nest Wealth fees for Direct clients](https://nestwealth.com/wp-content/uploads/2025/03/investors-fees-bar-mobile.svg) ](/pricing) **The average portfolio Management Expense Ratios (MERs) are 0.13%.** Management Expenses are not charged by us, but indirectly by underlying [fund companies](/invest-with-personalized-portfolios/#etf-companies), and impact the returns you see as an investor. ## Your money is safe Nest Wealth is the trade name of Nest Wealth Asset Management Inc., a registered portfolio manager in the provinces of AB, BC, MB, SK, PE, NB, NL, NS, QC and ON, and is a member of the [Ombudsman for Banking Services and Investments (OBSI)](https://www.obsi.ca/), as well as the [Portfolio Management Association of Canada (PMAC)](https://pmac.org/) and of the [Securities and Investment Management Association (SIMA)](https://www.sima-amvi.ca/en/). We use third-party custodians [Fidelity Clearing Canada](https://clearing.fidelity.ca/fcc/en/) and [National Bank Independent Network](https://info.nbin.ca/) who are members of [CIRO](/faqs/#compliance) and of [CIPF](/faqs/#compliance) [![OSC logo](https://nestwealth.com/wp-content/uploads/2025/03/osc-logo.svg) ](https://www.osc.ca/en "Ontario Securities Commission") [![obsi logo](https://nestwealth.com/wp-content/uploads/2025/05/obsi-logo.webp "obsi-logo - Nest Wealth | More value, lower fees") ](https://www.obsi.ca/ "Ombudsman for Banking Services and Investments (OBSI)") [![PMAC - AGPC Logo](https://nestwealth.com/wp-content/uploads/2025/03/PMAC-AGPC-logo.svg) ](https://pmac.org/ "Portfolio Management Association of Canada") [![SIMA logo](https://nestwealth.com/wp-content/uploads/2025/03/sima-logo.webp "sima-logo - Nest Wealth | More value, lower fees") ](https://www.sima-amvi.ca/ "Securities and Investment Management Association") [![Fidelity custodian logo](https://nestwealth.com/wp-content/uploads/2025/03/fidelity-logo.svg) ](https://www.fidelity.ca/en/ "Fidelity Investment - Custodian") [![National Bank Canada logo](https://nestwealth.com/wp-content/uploads/2025/03/national-bank-canada-logo.svg) ](https://www.nbc.ca/ "National Bank Canada - Custodian") [![OCRI - CIRO logo](https://nestwealth.com/wp-content/uploads/2025/02/OCRI-CIRO-logo.svg) ](https://www.ciro.ca/ "Canadian Investment Regulatory Organization") [![CIPF logo](https://nestwealth.com/wp-content/uploads/2025/02/CIPF-logo.svg) ](https://www.cipf.ca/ "Canadian Investor Protection Fund") [![PMAC - AGPC Logo](https://nestwealth.com/wp-content/uploads/2025/03/PMAC-AGPC-logo.svg) ](https://pmac.org/ "Portfolio Management Association of Canada") [![obsi logo](https://nestwealth.com/wp-content/uploads/2025/05/obsi-logo.webp "obsi-logo - Nest Wealth | More value, lower fees") ](https://www.obsi.ca/ "Ombudsman for Banking Services and Investments (OBSI)") [![OSC logo](https://nestwealth.com/wp-content/uploads/2025/03/osc-logo.svg) ](https://www.osc.ca/en "Ontario Securities Commission") [![SIMA logo](https://nestwealth.com/wp-content/uploads/2025/03/sima-logo.webp "sima-logo - Nest Wealth | More value, lower fees") ](https://www.sima-amvi.ca/ "curities and Investment Management Association") [![Fidelity custodian logo](https://nestwealth.com/wp-content/uploads/2025/03/fidelity-logo.svg) ](https://www.fidelity.ca/en/ "Fidelity Investment - Custodian") [![National Bank Canada logo](https://nestwealth.com/wp-content/uploads/2025/03/national-bank-canada-logo.svg) ](https://www.nbc.ca/ "National Bank Canada - Custodian") [![OCRI - CIRO logo](https://nestwealth.com/wp-content/uploads/2025/02/OCRI-CIRO-logo.svg) ](https://www.ciro.ca/ "Canadian Investment Regulatory Organization") [![CIPF logo](https://nestwealth.com/wp-content/uploads/2025/02/CIPF-logo.svg) ](https://www.cipf.ca/ "Canadian Investor Protection Fund") Create your Portfolio now! [GET STARTED](https://join.nestwealth.com/?cta=join_form) ## FINANCIAL PROFESSIONALS ## Expand your audience Increase your appeal to high-net-worth and other investors looking to take advantage of a low-cost digital solution. ## Scale your business Save time and money by leveraging technology that reduces time spent on non-revenue generating tasks while keeping more of what you earn. ## Be independent Take control of the solutions you offer your clients and work with an independent partner that prioritizes the success of you and your clients over external big company interests. ### A wealthier future for you and your clients ![](https://nestwealth.com/wp-content/uploads/2024/06/Nw_Direct.png "Nw_Direct - Nest Wealth | More value, lower fees") [Nest Wealth Plus >](/empower-your-financial-business-with-our-digital-wealth-management-solution/) - **[Fast onboarding, more advising](/empower-your-financial-business-with-our-digital-wealth-management-solution/#nest-wealth-plus-features)** Onboard your clients in under 15 minutes. Say goodbye to paperwork and manual compliance burdens. - [**Seamless book transfer**](/empower-your-financial-business-with-our-digital-wealth-management-solution/#nest-wealth-plus-features) Assisted transition of your book of business to Nest Wealth platform. No AUM minimum required. - [**Smart rebalancing**](/empower-your-financial-business-with-our-digital-wealth-management-solution/#nest-wealth-plus-features) Monitor and rebalance portfolio asset allocation to ensure it aligns with clients’ goals and risk tolerance. Try Nest Wealth Plus now! [REQUEST DEMO](/request-demo/) GET THE LATEST NEWS & INSIGHTS ## Sign up and stay up-to-date with the latest from Nest Wealth You can skip this Your email\* Your full name\* \* Yes, I consent to Nest Wealth collecting and storing my personal information for the purposes of contacting me about Nest Wealth services & products. To manage this consent at any time, see our [Privacy Policy](./privacy-policy/). **Categories:** NWAM-2025 --- ### [Request Demo](https://nestwealth.com/request-demo/) **Published:** December 18, 2023 **Author:** Lorenzo Noventa **Excerpt:** Get in contact about solutions for Professionals and Request a Demo. **Content:** ![Financial Professionals](https://nestwealth.com/wp-content/uploads/2025/04/NW-Financial-Professional-with-tablet-software.webp "NW-Financial-Professional-with-tablet-software - Nest Wealth | More value, lower fees") # Get in contact about solutions for financial industry professionals interested in referral relationships Please fill out the form below and our team will be in touch in 1-2 business days. You can skip this Your full name\* Your email\* Company Your phone Main interests Nest Wealth Plus DEMO Account types Administration and fees Privacy and compliance Other Message \* Yes, I consent to Nest Wealth collecting and storing my personal information for the purposes of contacting me about Nest Wealth services & products. To manage this consent at any time, see our [Privacy Policy](./privacy-policy/). ![Financial Advisors IPad and financial Dashboard](https://nestwealth.com/wp-content/uploads/2023/12/Screenshot-2023-12-13-at-9.57.31-PM.png "Financial Advisors IPad and financial Dashboard - Nest Wealth | More value, lower fees") **Categories:** NWAM-2025 --- ### [Investor Support](https://nestwealth.com/sf-webform-investor/) **Published:** October 29, 2024 **Author:** Leonardo Aloi **Content:** [NEST WEALTH DIRECT >](/individual-investors/) ## Investor’s Support Need Help? We’re here for you! **Connect with the Nest Wealth Client Experience Team.** Whether you have a question about your account, need technical support, or just want to provide feedback, we’re here to assist you. To ensure you are connected with the right specialist, kindly submit only one request per form. A member of our dedicated Client Experience team will be in touch within 1-2 business days. Once you have submitted the form, you will receive a Case Number to the email address provided on the form. Thank you for contacting us. We appreciate your business and look forward to assisting you! --Please select Category-- Transaction Account(s) Inquiry General Inquiry Portfolio Manager/Investments --Please select Subcategory-- “Nest Wealth” is the trade name of Nest Wealth Asset Management Inc. The products and services advertised are designed specifically for investors in the provinces of AB, BC, MB, SK, PE, NB, NL, NS, QC and ON and may not be available to all investors. Products and services are only offered in accordance with applicable laws and regulations. This website is neither an offer to sell nor a solicitation of an offer to sell securities in any jurisdiction. **Categories:** NWAM-2025 --- ### [Faqs](https://nestwealth.com/faqs/) **Published:** April 1, 2025 **Author:** Leonardo Aloi **Excerpt:** Consult Nest Wealth Faqs and find answers and guides to most common doubts. **Content:** How-tos & FAQs # Find answers, clarifications and guides Quick and clear answers to the most common doubts - [ACCOUNT OPENING](#account-opening) - [ACCOUNT FUNDING](#account-funding) - [COMPLIANCE](#compliance) - [TAXATION](#taxation) - [FINANCIAL PROFESSIONALS](#tab-1744642826665-4-10) ## Onboarding & account opening [How do I Open an Account with Nest Wealth?](#1744302857116-11-3) There’s no need to visit our office or print off a pile of documents and mail them in. If you have any questions during the process just send us a note to support@nestwealth.com or schedule a call with us. Please make sure you have the following on hand: - A valid, government issued, photo ID - Online banking login information or copy of a void cheque - (Optional) – A statement for any existing investment account(s) you would like to transfer over [What type of accounts can I open?](#1744301233990-9-8) Nest Wealth supports almost all types of registered and non registered investment accounts including individual, joint, corporate, and trust accounts with the exception of Registered Disabilities Savings Plans (RDSPs). For more details, visit the [Investment Accounts](/flexible-investments-accounts-and-savigs-plans/) page. [Can I customize my portfolio?](#1744301233990-9-80) We will work with you to determine what the best asset allocation mix is for you based on our existing ETF lineup. Other securities cannot be added or removed from these models but we can modify your cash target based on your short-term liquidity needs. [How long will it take for my account to open?](#1744703789389-1-0) Our custodian can typically open an account within 24-48 hours. Once an account is open, you can submit funding requests from your bank account or transfer an existing account from another institution. [How much time it takes for an investment account to come to Nest Wealth?](#1744703588060-1-0) This largely depends on where the investment account is held currently and whether or not the current institution is a member of the ATON network or not. Here are the general timeframes for the different types of transfers: - **Electronic: 2-4 weeks** - **Non-Electronic: 4-6 weeks** ## Account funding and withdrawal [How much time it takes for an investment account to come over to Nest Wealth?](#1743698085490-5-334) This largely depends on where the investment account is held currently and whether or not the current institution is a member of the ATON network or not. Here are the general timeframes for the different types of transfers: - **Electronic: 2-4 weeks** - **Non-Electronic: 4-6 weeks** [How long do brokerage transfers typically take?](#1744301925653-3-25) In general, investment transfers may take 4 to 6 weeks to complete if documents are in good order. The processing time mostly depends on the account type and whether the transferring institution has electronic processing. Transfer times also vary depending on the time it takes your current institution to start the transfer process on their end. [What happens after I have made my first deposit?](#1744704155462-2-3) A Portfolio Manager will reach out to you before we proceed to invest the funds. Before investing the money you’ve deposited, we want to make sure you are comfortable with the answers you have given in the risk questionnaire and also with the proposed asset allocation mix. [How do I withdraw my money from the Nest Wealth account?](#1702996277955-3-101740564572765174056480212254) Simply log into your Nest Wealth profile and in the **‘Accounts’** section you’ll be able to quickly and safely request a withdrawal. [What are your investment minimums?](#1702996278799-4-91740564572765174056480212281) Our investment minimums are as follows: **Less than $1000** = Account sits in cash **$1000 to $19,999** = Account will be invested in a one-ticket solution **$20,000 +** = Accounts will be invested in our customized ETF portfolios [How do I fund My Account?](#1710516918228-5-41740564572765174056480212237) Simply log into your Nest Wealth profile and in the ‘Transfers’ section you’ll be able to quickly and safely request for the money to be transferred from your bank or brokerage account. ## Compliance and protection [How do you protect my investments?](#1744303955467-1-3) Keeping your money safe is extremely important to us, and we do this in two ways: 1. We use third-party custodians. Your assets are held in an account in your name at National Bank Independent Network (NBIN Inc) or Fidelity Clearing Canada (FCC). Nest Wealth only has the right to issue trading instructions against your account. We can’t access money in your account other than to receive our monthly advisory fee. In the unlikely event that Nest Wealth becomes insolvent, your assets will not be impacted and will remain unaffected in your account at the custodian. 2. Nest Wealth is a registered Portfolio Manager in Canada. Securities in your account may be protected up to $1,000,000 CDN through one of our custodians should they go insolvent. See [www.cipf.ca](http://www.cipf.ca) for more details. [What is the meaning of "CIRO Member" and "CIPF Member"?](#faq-investor-ciro-cipf) - **CIRO Membership:** the Canadian Investment Regulatory Organization (CIRO) is a national self-regulatory organization that ensures compliance with industry standards and market integrity rules. CIRO regulates investment dealers and mutual fund dealers across Canada, enforcing rules related to business conduct, trading, and financial operations. - **CIPF Membership:** the Canadian Investor Protection Fund (CIPF) provides protection to investors in the event of a member firm’s insolvency. CIPF coverage helps safeguard investors’ assets, offering a level of financial security and confidence in the investment process In summary, being regulated by CIRO ensures that Nest Wealth adheres to strict regulatory standards, while CIPF membership provides additional investor protection. [Nest Wealth is a Registered Portfolio Manager: what are the benefits for the investor?](#faq-investor-rpm-advantages) Investing with a **Registered Portfolio Manager** in Canada offers several advantages for individual investors: - **Professional Expertise**: Portfolio managers are highly educated and experienced, providing informed decisions tailored to your financial profile. - **Fiduciary Duty**: They are legally bound to act in your best interest, ensuring a transparent service. - **Diversification and Risk Management**: They create balanced portfolios to reduce risk while maintaining potential returns. - **Fee Transparency**: They always charge transparent asset-based fees without hidden commissions. - **Personalized Service**: They develop a customized investment strategy aligned with your profile. This partnership provides professional management, security, and personalized service, all while ensuring your investments are managed with your best interests in mind. ## Preparing for tax season (RRSPs & TFSAs) [When is the last day for me to make a deposit to my account for this year?](#1702995615-1-14174056457276517405648021223) The exact date changes each year, for more information look at the Canada Revenue Agency Website. [What are the different ways I can contribute?](#1702995615-2-82174056457276517405648021222) **1. EFT From Linked Bank Account** To start a one-time or a recurring contribution to your account, please place a request through your Nest Wealth profile by following these steps: - Log in to the Nest Wealth portal. - Click the “Transfers” tab on the top left side of the window. - Click on the green “Deposit” button next to your investment account. - In the new window, select your bank account information from the drop-down menu and specify the frequency of the recurring contributions, $ amount, and the start date. **2. Cheque: Please send these directly to the custodian and mention the account number in the memo section.** If your account starts with the letter F please direct the Cheque to Fidelity Clearing Canada (FCC) and, if your account starts with the number 6, please direct the cheque to National Bank Independent Network (NBIN). Fidelity Clearing Canada, ULC 483 Bay Street, South Tower, Suite 200, Toronto, ON M5G 2N7 National Bank Independent Network 130 King Street West, Suite 3000, Toronto, Ontario, M5X 1J9 **3. Internal Transfers from Non-Registered Accounts** Please reach out to for internal transfers to your RRSP/TFSA from your Nest Wealth Non-Registered accounts. [When do I receive tax slips for contributions made in the first 60 days?](#1740592065415-7-83) Please check out the [**Important Dates**](/tax-document-timeline/) listed at the bottom of this document for details along with the respective custodian you have your account with. [Where can I access my Tax Receipts?](#1772707151573-3-5) For accounts custodied with FCC, the tax documentation will be mailed to you directly and will be available on our platform in the Account Statements section. For accounts custodied with NBIN, they will be mailed to you directly & digital copies can be retrieved directly from NBIN’s MyPortfolio+ service once available. [What is my RRSP contribution limit?](#1702996277955-3-1017405645727651740564802122) **RRSP Contribution Limits** You can contribute up to 18% of your previous year’s earned income up to the yearly maximum amount per CRA guidelines, plus any unused contribution room from years prior. For an accurate figure of contribution limits, please check out the following: - CRA MyAccount Online - Tax Information Phone Service (TIPS) [Will I get a tax slip when I withdraw from my RRSP?](#1702996278799-4-917405645727651740564802122) For withdrawals from your RRSP during the tax year, you may receive a RL-2 for Quebec residents, a T4RSP, or a NR4 for non-residents. [Will I receive a tax slip for my TFSA?](#1710516918228-5-417405645727651740564802122) In most cases, you won’t receive any tax slips for your Tax-Free Savings Account because contributions to a TFSA aren’t tax-deductible, and any withdrawals made are tax-free. Income within your TFSA also won’t generate tax slips since TFSAs allow for tax-free growth – be it from capital gains, interest, and/or dividends. With a TFSA, you are required to keep track of your contributions and withdrawals. You can have more than one TFSA, but the total amount you contribute can’t be more than your available contribution room. That’s important since over-contributions are subject to a monthly tax of 1% for each month the excess amount stays in your TFSA. [What’s my TFSA contribution limit for this year?](#1710516926022-6-417405645727651740564802122) The annual TFSA dollar limit (for 2026) is $7,000. You can also carry forward any unused contribution room from previous years. For more information, please check out the following: - CRA MyAccount Online - Tax Information Phone Service (TIPS) ## Onboarding & account opening [What is the process to open an account for a new client and how long does it take?](#1702995615-1-1417405645727651740564802122) The first step is to invite your client through your advisor portal. Once your client receives their invite, they will start the account opening process. Your client will select the account type(s) that they would like to open during the onboarding process. Once all the steps in the onboarding process are completed, a set of forms will be generated for the client to sign digitally. After the completed copies are received by Nest Wealth, the Client Experience team will submit the paperwork to the custodian to open the account(s). Our custodian typically takes 2-3 business days to open an account. However, if there are deficiencies in the account opening documents, this may cause a delay. Once an account is opened, your client can submit funding requests from their bank account. [What documents are required to open an account?](#1702995615-2-8217405645727651740564802122) To ensure the client is prepared to open their account, please make sure they have the following on hand: 1. A valid, government issued, photo ID 2. A copy of a void cheque or a PAD form with the client’s full name 3. A Social Insurance Number (SIN) 4. A statement for any existing investment account(s) they would like to transfer over [What account types are offered at Nest Wealth?](#1702996126349-2-117405645727651740564802122) Here’s a list of all the account types we offer: - Non-Registered (CAD) (Individual & Joint) • Non-Registered (USD) (Individual & Joint) • TFSA - RRSP - Spousal RRSP • RRIF - Spousal RRIF • LIRA - LIF - RESP (Family) (Individual & Joint) - Corporate Non-Registered (CAD) - Corporate Non-Registered (USD) We do not support RDSPs at this time. Currently, we are not able to open the below account types fully online. As such, there will be additional paperwork that the clients will need to complete/sign outside the platform: - LIRA - LIF - Corporate Non-Registered [How can a client open an additional account?](#1702996128146-3-617405645727651740564802122) Financial professioanls on our platform have the ability to assist clients in opening additional accounts. They just need to open the profile of the client they are looking to open additional accounts for and click the green “New Forms” button in the top right corner and then select the account type(s) they would like to open. Ensure to complete and hit save on all the drop down windows before finalizing the documents for signing. The client will be able to log in to their online profile to sign the documents required to open the new account or will be sent a document package via DocuSign directly to their email. Once the documents are signed, please send an email to our team at advisors@nestwealth.com to notify our team of the signed documents so they can review and submit the documents to the custodian for opening. It will take approximately 2 to 3 business days for the account to be active in the client’s profile. [What are the requirements to open a corporate account?](#1702996136106-4-917405645727651740564802122) The following information is required: 1. Legal Name of the Corporation 2. Type of Business 3. Business Number / Tax ID (The CRA number for the corporation) 4. Date of Incorporation) 5. Business Address 6. Place of Incorporation 7. Your title with the Corporation 8. Number of Shareholders and their percentage of ownership The client also needs to provide a copy of the corporate banking information and Articles of Incorporation. [Do you accept digital signatures?](#1744704890423-5-9) Absolutely! All our forms are done through our digital signature provider DocuSign, however some transfer forms may require wet (physical) signatures, depending on the relinquishing institution. [When can a client submit a transfer request? Can the professional do this on their behalf?](#1744704848700-4-9) Clients can submit a transfer request as soon as they have signed the documents to open their account(s) with us. Clients can do this by visiting the Transfers tab and then selecting the Investment Account button. This will prompt them for all the information required to pre-populate a transfer form. Financial professionals can also assist clients in setting up their investment account transfers but will need to wait for the client’s accounts to be opened before the transfer can be set up. Financial professionals would set up the transfer by opening the client profile view and clicking the green “New Transfer” button in the top right of the screen. This will open a pop up and prompt the financial professional to pre-fill the information. Once submitted ask the client to login to their Nest Wealth account and they will be prompted to sign the transfer form. The rest is on us! [How do we contact your support team? Is there a phone number to call support?](#1740597054895-6-6) Please submit a ticket to advisors@nestwealth.com and one of our CX Team Members will schedule a call as needed. [Who is your custodian?](#1740600046968-7-10) All Nest Wealth client accounts are held in Canada by one of these custodians: **National Bank Financial Inc.** 1155 Rue Metcalfe 5étage, Édifice Sun Life Montréal QC H3B 4S9 **FCC – Fidelity Clearing Canada ULC** (\*) 483 Bay Street, Suite 200 Toronto ON M5G 2N7 They are responsible for holding client funds, producing their monthly statements, tax documents and more. We take care of working with them to ensure everything for your clients is running smoothly. That way you focus on what you do best. (\*) FCC is an indirect, wholly-owned subsidiary of 483 Bay Street Holdings LP, which is a joint venture between FIL Limited and Fidelity Canada Investors LLC. [What are some of the typical mistakes clients make when onboarding?](#1740600101494-9-7) 1. Submitting Void Cheques / Pre-Authorized Debit forms that are not in their name or does not include their full name. 2. Submitting illegible documentation and identification. 3. Using P.O. Box as home address or providing an address that is not current. 4. Providing an incorrect birth date or SIN. 5. Mismatching the account type you are opening from the account type requested to transfer from the relinquishing institution. 6. Providing the incorrect jurisdiction specified on locked-in account types\* \*We are required to know whether a locked-in registered account is under provincial or federal jurisdiction as well as the province of jurisdiction, if applicable. Helping your client check with his/her pension provider as to the legislation specific to their plan can help avoid errors and delays. [How does a client change their personal information?](#1744704631615-4-3) If clients would like to update their personal information, they can reach out to us by emailing . The team will then work with the client to ensure whatever information needs updating is completed and send them the necessary forms. ## Account funding [How can a client fund their account?](#1744643567-1-23) There are two ways of funding an account. If a client wishes to transfer an existing investment account from another financial institution, they should submit an Investment Account transfer from their online profile. If it’s a regular contribution/deposit that the client would like to complete, they should submit a Bank Account deposit. [How can an advisor view the status of new accounts and transfer completion?](#1744643782815-2-10) You can view both of these through your access to the Nest Wealth portal. For account openings, you will be able to see if the client’s account is “Active” or “Pending” on the client profile screen. You can view transfers by navigating to the Transfers tab in the client’s profile. From there, you can see if the client has initiated a transfer or not and also if we have submitted it to the custodian. If you need more information, please reach out to advisors@nestwealth.com and the Client Experience team will follow up with the custodian. Please note, our custodian will only follow up on transfers after 3 weeks have passed since it’s initiation. [How will I know that a client's bank account is ready to use to make contribution / deposits?](#1744643860932-3-6) To see if a client’s bank account is set up for contributions, you can go to the client’s profile and then navigate to the Transfers tab. In the top table, you will be able to see if the transfer source is active and which account(s) it is linked to. [How can clients withdraw funds from their account? Can a professional request this?](#1744703650-1-21) If clients would like to withdraw money from their account(s), they can email directly. The Customer Experience team will then send the client a letter of direction by email to sign so that the withdrawal can be processed. Once they have the letter of direction back, it can take between 5-7 business days for the client to see the deposit in their bank account as liquidating trades may need to be placed and settled. [How do clients cancel, change or amend their recurring contributions / deposits?](#1744703650-2-90) The client can do this by logging in to their Nest Wealth account and going to the Transfers tab. The client will need to cancel the existing contribution by clicking the red “X” beside the contribution that they’d like to cancel. Once that is done, they can proceed with submitting the new contribution by selecting the green “Bank Account” button at the top of the same page. ## Taxation [How do clients access their statements and when are they available? What about tax slips and reports?](#1744705425276-1-8) All of your clients’ statements will be available to them on their Nest Wealth portal in the “Account Statements” section. They will receive a monthly statement from the custodian as well as a quarterly statement from us. This is also where they will receive their tax slips and reports. Please note that monthly and quarterly statements will be available 3-4 weeks after the month/quarter end. Create your Portfolio now! [GET STARTED](https://join.nestwealth.com/?cta=join_form) Try Nest Wealth Plus now! [REQUEST DEMO](/request-demo/) **Categories:** NWAM-2025 --- ### [Tax Document Timeline](https://nestwealth.com/tax-document-timeline/) **Published:** March 2, 2026 **Author:** Lorenzo Noventa **Excerpt:** Monthly fees that depend only on your portfolio valuation. **Content:** FAQ # Tax Document Timeline Get ready for tax season with our detailed breakdown of 2025 tax slip issuance dates. Consult the table below for a complete overview, and download a copy for your records ## Download Brochure Tax Documentation Timeline ## NestWealth\_Important dates ![Tab_NestWealth_importantdates](https://nestwealth.com/wp-content/uploads/2026/03/Tab_NW_FCC_NBIN_preview.jpg "Tab_NW_FCC_NBIN_preview - Nest Wealth | More value, lower fees") [Download the 2025 Tax Schedule (PDF)](https://nestwealth.com/wp-content/uploads/2026/03/Tab_NestWealth_importantdates.pdf) Get ready for tax season with our detailed breakdown of 2025 tax slip issuance dates. Consult the table below for a complete overview, and download a copy for your records **Categories:** NWAM-2025 --- ### [Nest Wealth Asset Management](https://nestwealth.com/nest-wealth-asset-management-first-canadian-robo-adviser-and-regulated-portfolio-manager/) **Published:** December 12, 2023 **Author:** Lorenzo Noventa **Excerpt:** Nest Wealth Asset Management is a regulated Portfolio Manager and Canada’s first robo-adviser established in 2014. **Content:** About Us # Providing access to a better financial future We believe in the value of advice. We work to make sure that the best version of advice is provided to the most people. ## Nest Wealth Asset Management is a regulated Portfolio Manager and Canada’s first robo-adviser established in 2014. ***We focus on personalization***, cost-effectiveness and professional oversight while offering an investment service that is built for those who prefer a hands-off approach: a digital solution developed with a well-structured investment plan that supports our client needs with the creation of an appropriate portfolio of low-cost Exchange Traded Funds (ETFs). ## Nest Wealth leadership The diverse range of skills, experience and vision of our Senior Leadership Team is what powers the tight-knit culture at Nest Wealth and challenges all parts of the business to continually strive to enhance the value we bring to our customers. ![Luigi Marciano - Portrait](https://nestwealth.com/wp-content/uploads/2024/07/luigi-marciano-nestwealth.webp "luigi-marciano-nestwealth - Nest Wealth | More value, lower fees") ### Luigi Marciano **Chief Executive Officer** ![Georgios Lekkas - Portrait](https://nestwealth.com/wp-content/uploads/2025/03/georgios-lekkas.webp "Georgios Lekkas, Chief Operating Officer at Nest Wealth - Nest Wealth | More value, lower fees") ### Georgios Lekkas **Chief Operating Officer** ![Debra Thuet - Portrait](https://nestwealth.com/wp-content/uploads/2024/08/Debra-Objectway-NestWealth.jpg "Debra-Objectway-NestWealth - Nest Wealth | More value, lower fees") ### Debra Thuet **Chief Compliance Officer** ## Nest Wealth is part of Objectway Group [**Objectway**](https://www.objectway.com) is a global TOP-100 FinTech provider (IDC FinTech Rankings), that admins over €1 trillion of assets and supports more than 100,000 investment professionals to manage over €700 billion AUM for more than 5 million investors. The group has a global organization including over 800 business and technology professionals, operating offices in Italy, UK, Belgium, Germany, Switzerland, France, Ireland, UAE and Canada.. Create your Portfolio now! [GET STARTED](https://join.nestwealth.com/?cta=join_form) Try Nest Wealth Plus now! [REQUEST DEMO](/request-demo/) **Categories:** NWAM-2025 --- ### [Invest with Personalized Portfolios](https://nestwealth.com/invest-with-personalized-portfolios/) **Published:** January 19, 2024 **Author:** Lorenzo Noventa **Excerpt:** Nest Wealth creates a low-cost diversified portfolios built specifically for your life goals. We take care of monitoring and rebalancing your portfolio. **Content:** Investment approach # Invest with personalized portfolios We recognize every investor is unique. That’s why we create a personalized portfolio tailored to your specific goals and objectives. ## Our investment approach **David Swensen**, the head of the Yale Endowment Fund, is one of the most recognized professionals in the investment industry. We build and manage your portfolio based on his three rules. In his book, [Unconventional Success](https://www.amazon.com/Unconventional-Success-Fundamental-Approach-Investment-ebook/dp/B000FCKBT8/), he suggests the following: ### Asset class diversification Investors should maintain exposure to six core asset classes for diversification. These asset classes include domestic equities, emerging market equities, international equities, government bonds, real-return bonds, and real estate. [](#asset-classes "Asset Classes") ### Regular rebalancing Investors should rebalance the portfolio on a regular basis. This involves moving money between investments to ensure your portfolio composition remains aligned with your goals and risk tolerance. [](#automated-rebalancing "Regular rebalancing") ### Invest into low-cost index solutions The investor should, in the absence of a confident market-beating strategy, invest in low-cost index funds and ETFs. [](#low-cost-advantage "Low cost advantage") Using innovative technology and industry-tested investment rules, Nest Wealth creates a low-cost diversified portfolios built specifically for your life goals. Once you’re invested, we take care of monitoring and rebalancing your portfolio so you can get on with enjoying your life. We build your investment portfolio from seven different Exchange-Traded Funds (ETFs) that represent seven different asset classes. You’ll own a different proportion of each of these ETFs based on your risk score, which takes into account what you’re saving for, when you’ll need the money, and how reactive you are to market ups and downs. ## Exchange-Traded Funds (ETFs) ETFs are a low cost and effective way to build a diversified investment portfolio. They allow you to gain exposure to a variety of asset classes like bonds, equities and real estate. Many ETFs track well-established indices like the S&P 500 or TSX and can provide diversification across many markets at a low cost. ![](https://nestwealth.com/wp-content/uploads/2025/03/canada-etf-investment-trend.webp "canada-etf-investment-trend - Nest Wealth | More value, lower fees") ## Exchange-Traded Funds (ETFs) ETFs are a low cost and effective way to build a diversified investment portfolio. They allow you to gain exposure to a variety of asset classes like bonds, equities and real estate. Many ETFs track well-established indices like the S&P 500 or TSX and can provide diversification across many markets at a low cost. The following charts show the ETFs strong momentum: - ETFs have shown approximately 2.6x faster penetration rate than Managed Funds - While Managed Funds still maintain a much larger absolute market size, ETFs are gaining market share at a significant pace - Both fund types experienced a dip in 2022 (likely due to market conditions), but ETFs recovered more strongly Canadian ETF vs Managed Funds AUM (2015-2025) Absolute Values (CAD Billions) ETF AUM Managed Fund AUM Canadian ETF vs Managed Funds Growth Comparison (2015-2025) Indexed Growth (2015=100) ETF Fund Growth Managed Fund Growth This chart shows the AUM indexed growth of both ETFs and Managed Funds, with 2015 as the base year (value = 100). Using indexed values allows for direct comparison of growth rates regardless of the absolute size difference. *GENERATED BY CLAUDE.AI 3.7 Sonnet* PROMPT USED: Prepare a chart with the plot of the assets under management in Canada, starting in 2015 until 2024, with two lines comparing investments in ETF versus investments in Managed Funds, using the more appropriate sources: CIFSC, IFIC, or CETFA, and indicating which source each data set come from. Convert the code using SVG , HTML and JS if necessary. Make the code responsive, in order to let the chart stretch from a min width of 400px to a max width of 1200px. Scale the right (MAnaged Funds) axis in order to respect the same growth rate as of the ETF funds; the goal is to compare the grow rate of both the fund types USEFUL AI REPLIES ### Key Trends in Canadian Investment AUM (2015-2024) ### Key Trends in Canadian Investment AUM (2015-2024) Based on data from the Canadian ETF Association (CETFA) for ETF assets and the Investment Funds Institute of Canada (IFIC) for managed funds: **ETF Growth:** - ETF assets grew from $90 billion in 2015 to $407.8 billion in 2024 - This represents a 353% increase over the decade - Only one year (2022) showed a slight decline, likely due to market conditions **Managed Funds:** - Managed fund assets grew from $1.24 trillion in 2015 to $2.03 trillion in 2024 - This represents a 63.7% increase over the same period - Also experienced a decline in 2022 before recovering **Comparative Analysis:** - While managed funds maintain a significantly larger asset base, ETFs are growing at a much faster rate - The ratio of managed fund AUM to ETF AUM decreased from 13.8:1 in 2015 to 5:1 in 2024 - ETFs are steadily gaining market share in the Canadian investment landscape The data demonstrates the continued growth of both investment vehicles in Canada, with ETFs showing particularly strong momentum despite representing a smaller portion of total assets. s: **ETF Growth:** - ETF assets grew from $90 billion in 2015 to $407.8 billion in 2024 - This represents a 353% increase over the decade - Only one year (2022) showed a slight decline, likely due to market conditions **Managed Funds:** - Managed fund assets grew from $1.24 trillion in 2015 to $2.03 trillion in 2024 - This represents a 63.7% increase over the same period - Also experienced a decline in 2022 before recovering **Comparative Analysis:** - While managed funds maintain a significantly larger asset base, ETFs are growing at a much faster rate - The ratio of managed fund AUM to ETF AUM decreased from 13.8:1 in 2015 to 5:1 in 2024 - ETFs are steadily gaining market share in the Canadian investment landscape The data demonstrates the continued growth of both investment vehicles in Canada, with ETFs showing particularly strong momentum despite representing a smaller portion of total assets. **Key insights from this visualization:** - ETFs have shown approximately 2.6x faster growth rate than Managed Funds over this period - While Managed Funds still maintain a much larger absolute market size, ETFs are gaining market share at a significant pace - Both fund types experienced a dip in 2022 (likely due to market conditions), but ETFs recovered more strongly **Data source** – Both charts are based on annual Asset Under Management (AUM) amounts, as reported by the Investment Funds Institute of Canada (IFIC) in its [*2024 Investment Funds Report*](https://www.sima-amvi.ca/wp-content/themes/ific-new/util/downloads_new.php?id=30189&lang=en_CA) and in the [*SIMA Monthly Investment Fund Statistics – December 2025*](https://www.sima-amvi.ca/wp-content/themes/ific-new/util/downloads_new.php?id=52351&lang=en_CA) ### ETF selection process We select what we believe are the best ETFs available in each asset class, making sure they work well together. We look for ETFs that are low cost, liquid, and have a low tracking error to their underlying index. Low management expense ratios (MERs) mean you pay less in fees so you keep more of your returns (more wealth for you!). High liquidity means your portfolio is easier to rebalance and your money is readily accessible when you need it. Finally, a lower tracking error just means the ETF is more efficient at its job of mimicking an index. ### ETF lineup [Vanguard Canadian Short-Term Bond Index ETF (VSB)](https://www.vanguard.ca/en/product/etf/fixed-income/9553/vanguard-canadian-short-term-bond-index-etf) Short Term Bonds Tracks Canadian government short term bonds. Bonds with shorter durations are less volatile and less sensitive to changes in interest rates, and therefore have a lower return. Their primary purpose is capital preservation. MER: 0.11% [BMO Aggregate Bond Index ETF (ZAG)](https://bmogam.com/ca-en/products/exchange-traded-fund/bmo-aggregate-bond-index-etf-zag/) Medium Term Bonds Tracks Canadian government medium term bonds. Medium term bonds are more volatile than short term bonds and therefore tend to pay a higher interest rate. MER: 0.09% [iShares Canadian Real Return Bond Index ETF (XRB)](https://www.blackrock.com/ca/investors/en/products/239490/ishares-canadian-real-return-bond-index-etf) Real Return Bonds Tracks Canadian government real return bonds. They provide a hedge against inflation as their rate of return is adjusted for inflation. MER: 0.39% [iShares Core S&P/TSX Capped Composite Index ETF (XIC)](https://www.blackrock.com/ca/investors/en/products/239837/ishares-sptsx-capped-composite-index-etf) Canadian Equities Provides broad exposure to the Canadian equity market by covering large, mid, and small companies across all sectors. Equities are more volatile than bonds and can provide a higher rate of return. Their primary purpose is capital growth and income from dividends. MER: 0.05% [iShares Core S&P 500 Index ETF (CAD-Hedged) (XSP)](https://www.blackrock.com/ca/investors/en/products/239727/ishares-sp-500-index-etf-cadhedged-fund) U.S. Equities Tracks the 500 largest publicly listed companies in the United States. Diversifying outside of Canada can provide higher returns and reduce the portfolio’s overall risk. MER: 0.10% [iShares MSCI EAFE ETF (IEFA)](https://www.ishares.com/us/products/244049/ishares-core-msci-eafe-etf) Global Equities Provides broad exposure to developed equity markets in Europe, Australia, and the Far East by covering large, mid, and small companies across all sectors. International equities provide an opportunity for growth and greater diversification. MER: 0.08% [Vanguard REIT ETF (VNQ)](https://investor.vanguard.com/investment-products/etfs/profile/vnq) Real Estate Real estate investment trusts (REITs) own a selection of office buildings, hotels, and apartment buildings. They are typically more volatile than bonds but less volatile than equities. They provide an opportunity for high income and moderate growth. MER: 0.12% ![](https://nestwealth.com/wp-content/uploads/2025/03/etf-lineup-mers-table.webp "etf-lineup-mers-table - Nest Wealth | More value, lower fees") ![](https://nestwealth.com/wp-content/uploads/2025/03/etf-lineup-mers-table-mobile.webp "etf-lineup-mers-table-mobile - Nest Wealth | More value, lower fees") ## Find the right investing account [](/flexible-investments-accounts-and-savigs-plans/) Selecting the **appropriate account structure** for your investments is as crucial as choosing the investments themselves. [Learn more about Investing Accounts](/flexible-investments-accounts-and-savigs-plans/) --- ## Asset classes Asset classes act as the foundational building blocks of a diversified portfolio. Your asset class allocation is determined by your risk tolerance, investment objectives and other personal circumstances. In general, a longer time horizon (or objective of capital growth) will yield more exposure to risk assets (such as equities and real estate) relative to shorter investment time horizons (or objectives of capital preservation). ### Benefits of diversification Maintaining portfolio diversification can help reduce risk and improve returns. At Nest Wealth, we create portfolios that are globally diversified across different sectors and economies using Nobel-prize winning principles to help you maximize risk-adjusted returns.[\*](https://nestwealth.com/personalized-portfolios#nw_footnotes) --- ## Regular rebalancing Creating your customized portfolio is only the starting point of a successful investment strategy. Every step of the way Nest Wealth will help make sure you are working towards your financial goals. This is done in three steps: ### Step 1 Nest Wealth develops your customized ideal asset allocation based on your personal risk tolerance, your objectives and your current financial situation. ### Step 2 As the market moves up and down, your portfolio’s asset allocation can drift away from your target asset mix. Our technology helps us monitor these developments. ### Step 3 If an asset class rises too much, Nest Wealth will sell some. The proceeds will be used to buy other assets and restore your ideal asset allocation. --- ## The low-cost advantage ### Why passive? Overwhelming research shows that passive investing is an effective way of growing your money over the long term by helping you keep investment costs low and stay diversified. Using this as our foundation, we build your portfolio to “be the market” rather than try to “beat the market”. ### Invest like a Pro To increase their odds of success, well-known investors such as Burt Malkiel, Jack Bogle and David Swensen focus on proper diversification, systematic rebalancing, appropriate risk and reducing fees. By keeping portfolios diversified and low cost, you can minimize investment risks while maximizing rewards over the long term. ### “Being the market” Passively managed investments are referred to as “index funds” because they’re tied to an index that represents a particular market. For example – an S&P 500 ETF would provide exposure to the S&P 500 index which measures the stock performance of some of the largest American companies in the world. That’s why passively managed index funds exist. They track and mimic the movement in the index by investing in all or some of the securities held in that index. With passive investing, your money is used to buy shares in a category of companies and that category is called an index. If that category of companies collectively performs well, so will the index and you will see the direct benefits of that in your account. ## Need more help? [](/faqs/) If you have any **doubt** or you are in need of **guidance**, we can find answers. [Explore the Frequently Asked Questions](/faqs/) --- > \*Our portfolios are constructed using [Modern Portfolio Theory](https://en.wikipedia.org/wiki/Modern_portfolio_theory) which was awarded the Nobel Prize for Economics in 1990 based on a a thesis developed by [Harry Markowitz](https://it.wikipedia.org/wiki/Harry_Markowitz). Modern Portfolio Theory uses variables such as expected return, expected volatility, and correlation of asset classes to develop an optimally weighted portfolio. Create your Portfolio now! [GET STARTED](https://join.nestwealth.com/?cta=join_form) Try Nest Wealth Plus now! [REQUEST DEMO](/request-demo/) **Categories:** NW 2024 --- ### [Privacy Policy](https://nestwealth.com/privacy-policy/) **Published:** October 10, 2023 **Author:** Lorenzo Noventa **Excerpt:** Nest Wealth is committed to protecting the privacy and confidentiality of personal information in our possession and control. **Content:** # Privacy Policy **Updated: August 07, 2025** This Privacy Policy explains the measures we take to fulfill these commitments and describes the manner in which we collect, use, disclose and treat personal information through our website and platform. This Privacy Policy applies to Nest Wealth Asset Management Inc. (NWAM) and Objectway Financial Solutions Inc. (OWFS). The foregoing entities are collectively referred to as “we” or “us”. NWAM is a registered Portfolio Manager which provides discretionary portfolio management services to Canadian investors in the jurisdictions where it operates. OWFS is a provider of enterprise digital wealth management technology which is utilized by advisory firms in North America. We are committed to protecting the personal information of our customers and personnel and this policy discloses how personal information is used by our organization. We also: - Limit personal information we collect to what is required and only use it for those purposes; - Only use personal information for the purposes it was obtained and obtain consent before using it for another purpose; - Ensure that service providers and contractors that have access to personal information are bound to protect the information and not use it for any unauthorized purposes; - Train our employees to ensure that personal information is handled appropriately and that employees understand their obligations. **“Personal Information”** is any information about an identifiable individual. It may include information such as name, age, date of birth, home address, social insurance number, marital status, income, account number, client identification number, personal email address and messages, and Internet Protocol (IP) address and other indicators. personal information does not include business contact information of an individual which is collected, used, or disclosed solely for the purposes of communicating or facilitates communication with the individual in relation to their employment, business, or profession. Personal information also doesn’t include any information that is aggregated or anonymized. What Personal Information Do We Collect? Personal information is collected according to the type of interaction we have with you. These interactions are grouped as follows: - Use of our wealth management platform and services in our role as a registered Portfolio Manager - Interactions with our advisory firm clients as part of the agreement to the use of our wealth management platform and services - Information automatically collected during the use of our platform or website - Information provided by you during the use of our website and other marketing interactions with prospective clients - Information provided when you apply for a position with us Where our platform is used by our Advisory clients, our client remains primarily responsible for the personal information of its clients. In these circumstances, we may redirect a query about our collection of your personal information to our client. Information provided to us as part of our Portfolio Management services Required personal information is collected and used as part of the delivery of our service to you. **Personal Information Collected****Usage / Purpose****Personal identity information (name, address, contact information, date of birth, occupation, identification documents)****We collect this information to:** - **to verify your identity and to authenticate you when you contact us.** - **comply with securities legislation and Anti-Money Laundering (AML) laws, where we are required to know our customer which includes collecting personal information about the customer to fulfill Know-Your-Client (KYC) requirements.** - **assess and determine your eligibility for products and services** - **manage our risk and operations.** **Financial and Banking Information (assets, liabilities, income, expenses, void cheques, bank account information, transactional history, account types and balances or limits, names of financial institutions, and related financial information that we collect from you or your financial institution.)****In order to use our discretionary portfolio management services, we have a legal obligation to understand your financial circumstances in order to provide investment advice. We also require banking information to allow you to fund your account and to send money to your bank account.****Beneficiary Information****If you sign up for a registered retirement account, we may ask you to provide certain beneficiary information such as your spouse’s name and occupation, children’s or dependents’ names, and ages that we collect from you on your application forms.****If you provide information about a minor, you must be designated as a person with parental authority of the minor in order to provide consent to share their personal information on their behalf.** **Investor profile questionnaires** **This may include asset holdings and values, and investment knowledge and objectives that you provide in risk information forms we ask you to complete.** **Tax Information (Social Insurance Number)****We require a SIN for certain types of account / tax reporting and will share it with the appropriate government agencies. We may also share it with identification services to identify you in accordance with local anti-money laundering laws and regulations.****Information about your transactions with us and communications with us****We retain information about your interactions with our customer service and advisory teams in accordance with local securities requirements.****Fraud Prevention****We may use your personal information to help protect you and us against fraud and error. This includes for purposes of preventing, detecting, or suppressing financial abuse, fraud, or criminal activity. This may include working with external agencies / regulatory bodies to investigate and resolve potential cases/allegations of fraud.** Interactions with our advisory firm clients When you sign up for a service with us, or request information about our services and products, we collect business contact information in order to facilitate communications and interactions with you, to verify your identity when you contact us and to provide information on a product or service that may be of benefit to you. Please note that while you may withdraw consent from obtaining promotional communications, this withdrawal will not apply to required communications that clients must receive. Information automatically collected during the use of our platform or website In using our platform, logs may collect your personal information such as your email address and IP (Internet Protocol) addresses. This log data is used for security monitoring and to provide a verifiable trail of transactions and activity occurring on our systems. Website visitors do not have to indicate who they are or submit any personal information, however, as you browse the website and use our platform, certain information relating to your browsing patterns, logins and technical data about the equipment you are using to access the website is automatically collected using cookies, server logs and other similar technologies. We may use third parties, including Google Analytics and Mixpanel, to help us gather and analyze information about website and platform usage. We may also de-identify your information by removing personal identifiers such as name, address and account numbers for the purposes of analytics and reporting to help us identify trends and insights to improve our services. Certain information collected via the above means is essential and required for use of our services such as to enable required functions and to monitor and improve the security and functionality of our platform and the website. Other information considered as non-essential helps us understand activity and better understand, evaluate and improve the user experience and the convenience of our website and services. You have the option of disabling the collection of non-essential activity. Please see our Cookie Policy for further information. Interactions with you in the use of our website and other marketing interactions with prospective clients You may provide your contact information (email, phone number, address) to us when you request information or a demo on a product or service, sign up for special offers, enter a contest or complete a survey. By providing us with your contact information, you are consenting to us collecting, using, accessing, disclosing and storing your personal information for communication purposes including responding to any inquiries you make, helping us better understand your needs, and advising you of other products and services that may be of interest to you (including those of select third parties and affiliates). You may withdraw your consent at any time, as explained below. We may also obtain your contact information from public databases, third party marketing vendors, and other outside sources. We use this information to contact you about products and services that may be of benefit to you. At any time, you may request removal or update of your contact information from our contact management systems, in the manner described below. Information provided to us during the Hiring process When you apply for a position with us, you provide your personal identity information including name, address, phone numbers, financial institution and identification documents to facilitate communications and interactions with you, to facilitate payment for your services and administration of benefits programs on your behalf, and to perform background checks when you apply for a position with us. Collection of Personal Information The personal information we have about you may be collected directly from you (or anyone authorized by you to act on your behalf under a power of attorney or other legal authority), and from sources within or outside of our organization including: - our interactions with you (including telephone and emails); - data entered by you on our wealth management platform; - data provided from our service providers in connection with your use of our services or your industry; - your usage activity on our platform and websites; - your financial planner or other professional advisor such as accountant/lawyer; - government bodies, agencies, and registries; - regulatory bodies; - law enforcement authorities; - public records; - job boards; - credit reporting agencies We do not sell your personal information. Your personal information will not be used, disclosed or retained for purposes other than those for which the information was collected, except with the permission of the individual, or as permitted or required by law. Consent When you provide your personal information through our website, platform and external sources as noted above, you are consenting, acknowledging and agreeing to the collection and use of your personal information for the purposes as described above. If you do not provide the essential information, we will not be able to provide these services. Withdrawal of Consent You can refuse to consent to our collection, use or disclosure of personal information, or you may withdraw your consent to our further collection, use or disclosure of your personal information at any time by giving us reasonable notice, subject to limited exceptions. If you wish to withdraw consent or request removal from our contact management systems, you may do so at any time by contacting our client support team at [**support@nestwealth.com**](mailto:support@nestwealth.com) or click on the “unsubscribe” link at the bottom of emails from us. Some emails may not include an ‘unsubscribe’ link because the email contains required information that all clients must receive. Depending on the circumstances, your withdrawal of consent may prevent us from providing you, or continuing to provide you, with some products and services, the ability to access certain products and services, or information that may be of value to you. In addition, we may have legal, regulatory or contractual obligations to collect, use or disclose certain of your personal information, in which case you may not withdraw your consent. You also cannot refuse to consent to our collection, use and disclosure of personal information required by our regulators. We will act on your instructions as quickly as possible but there may be certain uses of your information that we may not be able to stop immediately. Retention Periods For Personal Information Except as otherwise permitted or required by applicable law or regulation, we will only retain your personal information for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements. Automated Decision Making and Profiling We may use automated decision making systems to process your personal information and we may rely on decisions made or profiles provided by these automated systems for AML verification or security purposes (i.e. identifying your identity or fraud detection / prevention purposes). Upon request, we will provide you with information on the functioning of the automated decision making system and processes. Keeping Your Data Safe The security, integrity and confidentiality of your personal information is important to us. We maintain a comprehensive information security program that meets generally accepted industry standards. Our program includes appropriate administrative, technical, and physical safeguards, procedures, and practices to protect personal information submitted to us, both during transmission and once we receive it. When you enter information in our systems, we encrypt the transmission of that information using secure socket layer technology (SSL). We restrict access to personal information to employees and authorized service providers who require access to fulfill their job requirements. Disclosure of personal information In order to provide you with our products and services, we may need to share your personal information with other parties who are under an obligation to protect the confidentiality of that information. The shared information will be limited to such information which is necessary to facilitate the arrangement. Your personal information may be disclosed: - in accordance with any applicable consent obtained from you; - as part of a business transaction that we are considering or involved in (including the purchase of a business or the sale of part of all of our business); - to respond to a court order, search warrant, or any other valid demand or request; - to satisfy any applicable legal or regulatory requirement; - to suppliers, service providers, agents or other organizations that perform services for you, for us or on our behalf (including other Objectway group companies); - to another jurisdiction for processing (i.e., EU); while the information is in the other jurisdiction, it may be accessed by the courts, law enforcement, and national security authorities; - to any authorized individual with legal authority including Power of Attorney; - to our personnel who have a legitimate business purpose for using it; - where otherwise permitted by law. Disclosures Between Provinces and Outside of Canada The suppliers, service providers, and other organizations we may use could be located outside of your province of residence and Canada. Consequently, you should expect that your personal information may be collected, accessed, used, disclosed, and stored outside of your province and outside of Canada. In such cases, your personal information may be accessible or disclosed to or accessed by law enforcement, regulators, or authorities in the jurisdiction(s) where the personal information is being accessed, used, disclosed or stored. If your personal information is transferred to a service provider outside of your home province or country, we will take measures to protect your personal information with appropriate contract clauses or other applicable safeguards. Disclosures to Affiliates Objectway Financial Solutions Inc. provides the digital platform that is offered to customers of Nest Wealth Asset Management Inc. Consequently, information about NWAM customers provided through the platform is shared with Objectway Financial Solutions Inc. Disclosures to Critical Service Providers **Platform Infrastructure:** We utilize reputable Infrastructure as a Service (IaaS) providers for hosting our core digital wealth platform, financial planning software and supporting databases, utilities and services, as well as services of other third party providers for database services, network and systems monitoring and support, security administration and software development and release services. **Custodians:** When you open an account with us, you will also be required to open a brokerage account with National Bank Independent Network (NBIN) or Fidelity Clearing Corporation (FCC) – these are custodians that we use to provide trade execution, clearing and other services on our behalf. We must also notify them of any updates or changes to your account information. When you open an account, you will receive more information about these custodians in your account opening package. **Identity Verification:** When you open an account with us, we may share your information with credit reporting agencies (Equifax / Transunion) for the purposes of client identification. **Portfolio Management:** For our Portfolio Management services clients, we utilize a third party service provider for customer portfolio rebalancing and day-to-day trade executions. Client Services: We utilize client relationship management (CRM) software providers to facilitate customer communications and day-to-day customer support operations. We may also utilize other tools to facilitate video calls or telephone calls with our customers. **Electronic Signature Providers:** Our digital wealth platform includes integrations with electronic digital signature providers required to complete things like account application digitally and other documentation that may be required to open an account with us. **Disclosing Your SIN** Your SIN may be shared with third parties for income tax reporting purposes, as required by law. In addition, depending on the product or service you have with us, we may be required by law to verify the identity of all clients, account beneficiaries, and power of attorneys. Accessing and Correcting Your Personal Information Depending on the product or service you have with us, you may be able to access your personal information online directly through your client portal. In addition, upon written request, we will provide you with details regarding your personal information including what information we have about you, and how it has been used and disclosed. Please note that there may be instances where access may be restricted as permitted or required by law. We will advise you of the reasons for restricting access subject to any legal or regulatory limitations. You have the right to request the correction of your personal information. If you identify any inaccuracy in your personal information, or you need to make a change to that information, please contact us immediately at [**support@nestwealth.com**](mailto:support@nestwealth.com) so that we can update our records. If you wish to access, correct, or withdraw consent to the use of your personal information, you can contact our client support team at [**support@nestwealth.com**](mailto:support@nestwealth.com) or email our privacy team at [**privacy@nestwealth.com**](mailto:privacy@nestwealth.com). Updates to Our Privacy Policy We will post any changes we make to our Privacy Policy on this page. We will include the date the Privacy Policy was last revised at the top of the page. You are responsible for ensuring we have an up-to-date, active, and deliverable email address for you, and for periodically visiting our website and this Privacy Policy specifically to check for any changes. Contact Us If you have any questions or concerns about this policy or privacy and confidentiality matters, please contact our Chief Compliance Officer at [**privacy@nestwealth.com**](mailto:privacy@nestwealth.com) If, after contacting us, you feel your personal information concerns have not been adequately addressed, you may contact the Office of the Privacy Commissioner of Canada – [**https://www.priv.gc.ca/en/report-a-concern/**](https://www.priv.gc.ca/en/report-a-concern/) In Quebec, the organization responsible for protecting privacy is the Commission d’accès à l’information du Québec – [**https://www.cai.gouv.qc.ca/**](https://www.cai.gouv.qc.ca/) # Politique de confidentialité **Mise à jour : 7 août 2025** La présente politique de confidentialité explique les mesures que nous prenons pour respecter ces engagements et décrit la manière dont nous collectons, utilisons, divulguons et traitons les informations personnelles via notre site Web et notre plateforme. La présente politique de confidentialité s’applique à Nest Wealth Asset Management Inc. (NWAM) et Objectway Financial Solutions Inc. (OWFS). Les entités susmentionnées sont collectivement désignées par les termes « nous » ou « notre ». NWAM est un gestionnaire de portefeuille agréé qui fournit des services de gestion discrétionnaire de portefeuille aux investisseurs canadiens dans les juridictions où elle exerce ses activités. OWFS est un fournisseur de technologie de gestion de patrimoine numérique pour les entreprises, utilisée par des sociétés de conseil en Amérique du Nord. Nous nous engageons à protéger les renseignements personnels de nos clients et de notre personnel, et la présente politique divulgue la manière dont les renseignements personnels sont utilisés par notre organisation. Nous nous engageons également à : - Limiter les renseignements personnels que nous recueillons à ce qui est nécessaire et ne les utiliser qu’à ces fins ; - n’utilisons les renseignements personnels qu’aux fins pour lesquelles ils ont été obtenus et obtenons le consentement avant de les utiliser à d’autres fins ; - Nous veillons à ce que les prestataires de services et les sous-traitants qui ont accès aux informations personnelles soient tenus de protéger ces informations et de ne pas les utiliser à des fins non autorisées ; - Formons nos employés afin de garantir que les informations personnelles sont traitées de manière appropriée et que les employés comprennent leurs obligations. **Les « informations personnelles »** désignent toute information relative à une personne identifiable. Il peut s’agir d’informations telles que le nom, l’âge, la date de naissance, l’adresse personnelle, le numéro d’assurance sociale, l’état civil, le revenu, le numéro de compte, le numéro d’identification client, l’adresse électronique personnelle et les messages, ainsi que l’adresse IP (protocole Internet) et d’autres indicateurs. Les informations personnelles ne comprennent pas les coordonnées professionnelles d’une personne qui sont collectées, utilisées ou divulguées uniquement dans le but de communiquer ou de faciliter la communication avec cette personne dans le cadre de son emploi, de ses activités professionnelles ou de sa profession. Les informations personnelles ne comprennent pas non plus les informations agrégées ou anonymisées. Quels sont les renseignements personnels que nous recueillons ? Les renseignements personnels sont recueillis en fonction du type d’interaction que nous avons avec vous. Ces interactions sont regroupées comme suit : - Utilisation de notre plateforme et de nos services de gestion de patrimoine en notre qualité de gestionnaire de portefeuille agréé - Interactions avec les clients de notre société de conseil dans le cadre de l’accord relatif à l’utilisation de notre plateforme et de nos services de gestion de patrimoine - Informations collectées automatiquement lors de l’utilisation de notre plateforme ou de notre site web - Les informations que vous fournissez lors de l’utilisation de notre site web et d’autres interactions marketing avec des clients potentiels - Les informations fournies lorsque vous postulez à un poste chez nous Lorsque notre plateforme est utilisée par nos clients en conseil, nos clients restent les principaux responsables des informations personnelles de leurs clients. Dans ces circonstances, nous pouvons rediriger une question concernant la collecte de vos informations personnelles vers notre client. Informations qui nous sont fournies dans le cadre de nos services de gestion de portefeuille Les informations personnelles requises sont collectées et utilisées dans le cadre de la prestation de nos services. **Informations personnelles collectées****Utilisation / Finalité****Informations d’identité personnelle (nom, adresse, coordonnées, date de naissance, profession, documents d’identité)****Nous collectons ces informations afin de :** - **vérifier votre identité et vous authentifier lorsque vous nous contactez.** - **nous conformer à la législation sur les valeurs mobilières et aux lois sur la lutte contre le blanchiment d’argent (AML), qui nous obligent à connaître nos clients, ce qui inclut la collecte d’informations personnelles sur les clients afin de satisfaire aux exigences en matière de connaissance du client (KYC).** - **évaluer et déterminer votre admissibilité à nos produits et services** - **gérer nos risques et nos opérations.** **Informations financières et bancaires (actifs, passifs, revenus, dépenses, chèques annulés, informations sur les comptes bancaires, historique des transactions, types de comptes et soldes ou limites, noms des institutions financières et informations financières connexes que nous recueillons auprès de vous ou de votre institution financière).****Afin de pouvoir vous fournir nos services de gestion discrétionnaire de portefeuille, nous avons l’obligation légale de comprendre votre situation financière afin de vous fournir des conseils en matière d’investissement. Nous avons également besoin de vos informations bancaires pour vous permettre d’approvisionner votre compte et d’envoyer de l’argent sur votre compte bancaire.****Informations sur les bénéficiaires****Si vous ouvrez un compte de retraite enregistré, nous pouvons vous demander de fournir certaines informations sur les bénéficiaires, telles que le nom et la profession de votre conjoint, les noms et âges de vos enfants ou personnes à charge, que nous recueillons auprès de vous sur vos formulaires de demande.****Si vous fournissez des informations sur un mineur, vous devez être désigné comme personne ayant l’autorité parentale sur ce mineur afin de donner votre consentement pour partager ses informations personnelles en son nom.** **Questionnaires sur le profil de l’investisseur** **Il peut s’agir des actifs que vous détenez et de leur valeur, ainsi que de vos connaissances et objectifs en matière d’investissement, que vous fournissez dans les formulaires d’information sur les risques que nous vous demandons de remplir.** **Informations fiscales (numéro d’assurance sociale)****Nous avons besoin de votre NAS pour certains types de comptes/déclarations fiscales et le communiquerons aux organismes gouvernementaux compétents. Nous pouvons également le communiquer à des services d’identification afin de vous identifier conformément aux lois et réglementations locales en matière de lutte contre le blanchiment d’argent.****Informations sur vos transactions avec nous et vos communications avec nous****Nous conservons les informations relatives à vos interactions avec nos équipes de service à la clientèle et de conseil conformément aux exigences locales en matière de valeurs mobilières.****Prévention de la fraude****Nous pouvons utiliser vos informations personnelles pour vous protéger et nous protéger contre la fraude et les erreurs. Cela inclut la prévention, la détection ou la répression des abus financiers, de la fraude ou des activités criminelles. Cela peut inclure la collaboration avec des agences externes ou des organismes de réglementation afin d’enquêter et de résoudre des cas ou des allégations de fraude.** Interactions avec les clients de notre société de conseil Lorsque vous vous inscrivez à l’un de nos services ou demandez des informations sur nos services et produits, nous recueillons vos coordonnées professionnelles afin de faciliter la communication et les interactions avec vous, de vérifier votre identité lorsque vous nous contactez et de vous fournir des informations sur un produit ou un service susceptible de vous intéresser. Veuillez noter que si vous retirez votre consentement à recevoir des communications promotionnelles, ce retrait ne s’appliquera pas aux communications obligatoires que les clients doivent recevoir. Informations collectées automatiquement lors de l’utilisation de notre plateforme ou de notre site web Lorsque vous utilisez notre plateforme, des journaux peuvent collecter vos informations personnelles telles que votre adresse e-mail et votre adresse IP (protocole Internet). Ces données sont utilisées à des fins de surveillance de la sécurité et pour fournir une trace vérifiable des transactions et des activités qui se produisent sur nos systèmes. Les visiteurs du site web ne sont pas tenus d’indiquer leur identité ni de fournir des informations personnelles. Cependant, lorsque vous naviguez sur le site web et utilisez notre plateforme, certaines informations relatives à vos habitudes de navigation, vos identifiants de connexion et les données techniques concernant l’équipement que vous utilisez pour accéder au site web sont automatiquement collectées à l’aide de cookies, de journaux de serveur et d’autres technologies similaires. Nous pouvons faire appel à des tiers, notamment Google Analytics et Mixpanel, pour nous aider à collecter et analyser des informations sur l’utilisation du site Web et de la plateforme. Nous pouvons également anonymiser vos informations en supprimant les identifiants personnels tels que votre nom, votre adresse et vos numéros de compte à des fins d’analyse et de reporting afin de nous aider à identifier les tendances et les informations utiles pour améliorer nos services. Certaines informations collectées par les moyens susmentionnés sont essentielles et nécessaires à l’utilisation de nos services, notamment pour permettre le fonctionnement des fonctionnalités requises et pour surveiller et améliorer la sécurité et la fonctionnalité de notre plateforme et de notre site web. D’autres informations considérées comme non essentielles nous aident à comprendre l’activité et à mieux comprendre, évaluer et améliorer l’expérience utilisateur et la commodité de notre site web et de nos services. Vous avez la possibilité de désactiver la collecte d’informations non essentielles. Veuillez consulter notre Politique en matière de cookies pour plus d’informations. Interactions avec vous lors de l’utilisation de notre site web et autres interactions marketing avec des clients potentiels Vous pouvez nous fournir vos coordonnées (adresse e-mail, numéro de téléphone, adresse postale) lorsque vous demandez des informations ou une démonstration sur un produit ou un service, lorsque vous vous inscrivez à des offres spéciales, lorsque vous participez à un concours ou lorsque vous répondez à un sondage. En nous fournissant vos coordonnées, vous consentez à ce que nous collections, utilisions, consultions, divulguions et conservions vos informations personnelles à des fins de communication, notamment pour répondre à vos demandes, nous aider à mieux comprendre vos besoins et vous informer d’autres produits et services susceptibles de vous intéresser (y compris ceux de tiers et d’affiliés sélectionnés). Vous pouvez retirer votre consentement à tout moment, comme expliqué ci-dessous. Nous pouvons également obtenir vos coordonnées à partir de bases de données publiques, de fournisseurs de services marketing tiers et d’autres sources externes. Nous utilisons ces informations pour vous contacter au sujet de produits et services susceptibles de vous intéresser. À tout moment, vous pouvez demander la suppression ou la mise à jour de vos coordonnées dans nos systèmes de gestion des contacts, de la manière décrite ci-dessous. Informations fournies lors du processus de recrutement Lorsque vous postulez à un poste chez nous, vous fournissez vos informations d’identité personnelles, notamment votre nom, votre adresse, vos numéros de téléphone, votre institution financière et vos documents d’identité afin de faciliter les communications et les interactions avec vous, de faciliter le paiement de vos services et la gestion des programmes d’avantages sociaux en votre nom, et d’effectuer des vérifications d’antécédents lorsque vous postulez à un poste chez nous. Collecte de renseignements personnels Les informations personnelles que nous détenons à votre sujet peuvent être collectées directement auprès de vous (ou de toute personne autorisée à agir en votre nom en vertu d’une procuration ou d’une autre autorité légale), et auprès de sources internes ou externes à notre organisation, notamment : - nos interactions avec vous (y compris les communications téléphoniques et les courriels) ; - les données que vous avez saisies sur notre plateforme de gestion de patrimoine ; - les données fournies par nos prestataires de services en rapport avec votre utilisation de nos services ou votre secteur d’activité ; - votre utilisation de notre plateforme et de nos sites web ; - votre planificateur financier ou autre conseiller professionnel tel qu’un comptable/avocat ; - les organismes gouvernementaux, les agences et les registres ; - les organismes de réglementation ; - les autorités chargées de l’application de la loi ; - les registres publics ; - les sites d’offres d’emploi ; - agences d’évaluation du crédit Nous ne vendons pas vos informations personnelles. Vos informations personnelles ne seront pas utilisées, divulguées ou conservées à des fins autres que celles pour lesquelles elles ont été collectées, sauf avec l’autorisation de la personne concernée ou dans les cas prévus ou requis par la loi. Consentement Lorsque vous fournissez vos informations personnelles via notre site web, notre plateforme et les sources externes mentionnées ci-dessus, vous consentez, reconnaissez et acceptez la collecte et l’utilisation de vos informations personnelles aux fins décrites ci-dessus. Si vous ne fournissez pas les informations essentielles, nous ne serons pas en mesure de vous fournir ces services. Retrait du consentement Vous pouvez refuser de consentir à la collecte, à l’utilisation ou à la divulgation de vos informations personnelles, ou vous pouvez retirer votre consentement à la collecte, à l’utilisation ou à la divulgation de vos informations personnelles à tout moment en nous en informant dans un délai raisonnable, sous réserve d’exceptions limitées. Si vous souhaitez retirer votre consentement ou demander votre suppression de nos systèmes de gestion des contacts, vous pouvez le faire à tout moment en contactant notre service clientèle à l’adresse[**support@nestwealth.com**](mailto:support@nestwealth.com) ou en cliquant sur le lien « se désabonner » au bas des e-mails que nous vous envoyons. Certains e-mails peuvent ne pas inclure de lien « se désabonner » car ils contiennent des informations obligatoires que tous les clients doivent recevoir. Selon les circonstances, le retrait de votre consentement peut nous empêcher de vous fournir ou de continuer à vous fournir certains produits et services, l’accès à certains produits et services, ou des informations qui pourraient vous être utiles. En outre, nous pouvons avoir des obligations légales, réglementaires ou contractuelles de collecter, utiliser ou divulguer certaines de vos informations personnelles, auquel cas vous ne pouvez pas retirer votre consentement. Vous ne pouvez pas non plus refuser de consentir à la collecte, à l’utilisation et à la divulgation des informations personnelles requises par nos organismes de réglementation. Nous donnerons suite à vos instructions dans les plus brefs délais, mais il se peut que nous ne puissions pas mettre fin immédiatement à certaines utilisations de vos informations. Périodes de conservation des informations personnelles Sauf dans les cas où la loi ou la réglementation applicable l’autorise ou l’exige, nous ne conserverons vos informations personnelles que pendant la durée nécessaire à la réalisation des objectifs pour lesquels nous les avons collectées, y compris pour satisfaire à toute exigence légale, comptable ou de reporting. Prise de décision automatisée et profilage Nous pouvons utiliser des systèmes de prise de décision automatisés pour traiter vos informations personnelles et nous pouvons nous fier aux décisions prises ou aux profils fournis par ces systèmes automatisés à des fins de vérification AML ou de sécurité (c’est-à-dire pour identifier votre identité ou détecter/prévenir les fraudes). Sur demande de l’ , nous vous fournirons des informations sur le fonctionnement du système et des processus de prise de décision automatisés. Sécurité de vos données La sécurité, l’intégrité et la confidentialité de vos informations personnelles sont importantes pour nous. Nous avons mis en place un programme complet de sécurité de l’information qui répond aux normes généralement acceptées dans le secteur. Notre programme comprend des mesures de protection, des procédures et des pratiques administratives, techniques et physiques appropriées pour protéger les informations personnelles qui nous sont transmises, tant pendant leur transmission qu’après leur réception. Lorsque vous saisissez des informations dans nos systèmes, nous cryptons leur transmission à l’aide de la technologie SSL (Secure Socket Layer). Nous limitons l’accès aux informations personnelles aux employés et aux prestataires de services autorisés qui en ont besoin pour remplir leurs fonctions. Divulgation des informations personnelles Afin de vous fournir nos produits et services, nous pouvons être amenés à partager vos informations personnelles avec d’autres parties qui sont tenues de protéger la confidentialité de ces informations. Les informations partagées seront limitées aux informations nécessaires pour faciliter l’organisation. Vos informations personnelles peuvent être divulguées : - conformément à tout consentement applicable obtenu de votre part ; - dans le cadre d’une transaction commerciale que nous envisageons ou dans laquelle nous sommes impliqués (y compris l’achat d’une entreprise ou la vente d’une partie ou de la totalité de notre entreprise) ; - pour répondre à une ordonnance d’un tribunal, à un mandat de perquisition ou à toute autre demande ou requête valide ; - pour satisfaire à toute exigence légale ou réglementaire applicable ; - à des fournisseurs, prestataires de services, agents ou autres organisations qui fournissent des services pour vous, pour nous ou en notre nom (y compris d’autres sociétés du groupe Objectway) ; - à une autre juridiction pour traitement (par exemple, l’UE) ; pendant que les informations se trouvent dans l’autre juridiction, elles peuvent être consultées par les tribunaux, les forces de l’ordre et les autorités chargées de la sécurité nationale ; - à toute personne autorisée disposant d’un pouvoir légal, y compris une procuration ; - à notre personnel qui a un motif commercial légitime de les utiliser ; - lorsque la loi l’autorise. Divulgation entre provinces et à l’extérieur du Canada Les fournisseurs, prestataires de services et autres organisations auxquels nous pouvons faire appel peuvent être situés en dehors de votre province de résidence et du Canada. Par conséquent, vous devez vous attendre à ce que vos informations personnelles soient collectées, consultées, utilisées, divulguées et stockées en dehors de votre province et du Canada. Dans ce cas, vos informations personnelles peuvent être accessibles ou divulguées aux forces de l’ordre, aux organismes de réglementation ou aux autorités de la ou des juridictions où les informations personnelles sont consultées, utilisées, divulguées ou stockées. Si vos renseignements personnels sont transférés à un fournisseur de services situé à l’extérieur de votre province ou de votre pays, nous prendrons des mesures pour protéger vos renseignements personnels au moyen de clauses contractuelles appropriées ou d’autres mesures de protection applicables. Divulgation à des sociétés affiliées Objectway Financial Solutions Inc. fournit la plateforme numérique offerte aux clients de Nest Wealth Asset Management Inc. Par conséquent, les informations sur les clients de NWAM fournies par l’intermédiaire de la plateforme sont partagées avec Objectway Financial Solutions Inc. Divulgation à des fournisseurs de services essentiels **Infrastructure de la plateforme :** Nous faisons appel à des fournisseurs d’infrastructure en tant que service (IaaS) réputés pour héberger notre plateforme numérique de gestion de patrimoine, notre logiciel de planification financière et les bases de données, utilitaires et services connexes, ainsi qu’aux services d’autres fournisseurs tiers pour les services de base de données, la surveillance et le soutien des réseaux et des systèmes, l’administration de la sécurité et les services de développement et de mise en œuvre de logiciels. **Dépositaires :** lorsque vous ouvrez un compte chez nous, vous devez également ouvrir un compte de courtage auprès de National Bank Independent Network (NBIN) ou de Fidelity Clearing Corporation (FCC), qui sont les dépositaires auxquels nous faisons appel pour fournir des services d’exécution des transactions, de compensation et d’autres services en notre nom. Nous devons également les informer de toute mise à jour ou modification de vos informations de compte. Lorsque vous ouvrez un compte, vous recevrez plus d’informations sur ces dépositaires dans votre dossier d’ouverture de compte. **Vérification d’identité :** Lorsque vous ouvrez un compte chez nous, nous pouvons partager vos informations avec des agences d’évaluation du crédit (Equifax / Transunion) à des fins d’identification des clients. **Gestion de portefeuille :** pour nos clients bénéficiant de services de gestion de portefeuille, nous faisons appel à un prestataire tiers pour le rééquilibrage des portefeuilles de nos clients et l’exécution quotidienne des transactions. Services à la clientèle : nous faisons appel à des fournisseurs de logiciels de gestion de la relation client (CRM) afin de faciliter la communication avec nos clients et les opérations quotidiennes d’assistance à la clientèle. Nous pouvons également utiliser d’autres outils pour faciliter les appels vidéo ou téléphoniques avec nos clients. **Fournisseurs de signatures électroniques :** Notre plateforme de gestion de patrimoine numérique comprend des intégrations avec des fournisseurs de signatures électroniques nécessaires pour remplir numériquement des documents tels que les demandes d’ouverture de compte et autres documents pouvant être requis pour ouvrir un compte chez nous. **Divulgation de votre NAS** Votre NAS peut être communiqué à des tiers à des fins de déclaration fiscale, conformément à la loi. En outre, en fonction du produit ou du service que vous avez souscrit auprès de nous, nous pouvons être tenus par la loi de vérifier l’identité de tous nos clients, des bénéficiaires des comptes et des mandataires. Accès à vos renseignements personnels et correction de ceux-ci Selon le produit ou le service que vous avez souscrit auprès de nous, vous pouvez accéder à vos renseignements personnels en ligne directement via votre portail client. De plus, sur demande écrite, nous vous fournirons des détails concernant vos renseignements personnels, y compris les renseignements que nous détenons à votre sujet et la manière dont ils ont été utilisés et divulgués. Veuillez noter que dans certains cas, l’accès peut être restreint conformément à la loi. Nous vous informerons des raisons de cette restriction, sous réserve de toute restriction légale ou réglementaire. Vous avez le droit de demander la correction de vos informations personnelles. Si vous constatez une inexactitude dans vos informations personnelles ou si vous devez modifier ces informations, veuillez nous contacter immédiatement à l’adresse[**support@nestwealth.com**](mailto:support@nestwealth.com) afin que nous puissions mettre à jour nos dossiers. Si vous souhaitez accéder à vos informations personnelles, les corriger ou retirer votre consentement à leur utilisation, vous pouvez contacter notre service clientèle à l’adresse[**support@nestwealth.com**](mailto:support@nestwealth.com) ou envoyer un e-mail à notre équipe chargée de la confidentialité à l’adresse[**privacy@nestwealth.com**](mailto:privacy@nestwealth.com) . Mises à jour de notre politique de confidentialité Nous publierons toute modification apportée à notre politique de confidentialité sur cette page. Nous indiquerons la date de la dernière révision de la politique de confidentialité en haut de la page. Il vous incombe de vous assurer que nous disposons d’une adresse e-mail à jour, active et valide, et de consulter régulièrement notre site web et la présente politique de confidentialité afin de prendre connaissance de toute modification. Contact Si vous avez des questions ou des préoccupations concernant cette politique ou des questions relatives à la confidentialité et à la protection des données, veuillez contacter notre responsable de la conformité à l’adresse [**privacy@nestwealth.com**](mailto:privacy@nestwealth.com) Si, après nous avoir contactés, vous estimez que vos préoccupations concernant vos informations personnelles n’ont pas été traitées de manière adéquate, vous pouvez contacter le Commissariat à la protection de la vie privée du Canada – [**https://www.priv.gc.ca/en/report-a-concern/**](https://www.priv.gc.ca/en/report-a-concern/) Au Québec, l’organisme responsable de la protection de la vie privée est la Commission d’accès à l’information du Québec – [**https://www.cai.gouv.qc.ca/**](https://www.cai.gouv.qc.ca/) **Categories:** NWAM-2025 --- ### [Careers_Lever](https://nestwealth.com/careers/) **Published:** January 19, 2026 **Author:** Lorenzo Noventa **Excerpt:** Be part of the action. Join us on the mission to change the way Canadians invest and create an impact on your career. **Content:** ### We are social We work hard, but we have a lot of fun along the way. Located in the heart of Toronto’s Entertainment District, our office is steps away from everything King West and public transit. Here’s what you’ll get: – Team social events – Catered weekly team lunch – Fully stocked kitchen with snacks, fruit, beer and wine – A dog friendly office \[/vc\_column\_text\]\[/vc\_column\] ### Don’t see a role you’re looking for? Don’t see the job posting you want but think you’re meant to work here? Send your cover letter and resume to: **careers@nestwealth.com** [/vc_row]Careers # Be part of the action Join us on the mission to change the way Canadians invest! \*Nest Wealth is part of the Objectway Group ## Why you’ll want to work at Nest Wealth, we imagine & create We’re on a mission to change the way Canadians invest, and you could be part of the action! We’re looking for talented, passionate, creative and motivated individuals. Work with a fun, innovative and fast-growing team. Now’s your chance to make this exciting leap in your career. Together, we imagine and create possibilities. Get the opportunity to get in on the ground floor with like-minded people who want to make a difference. Work in a collaborative environment and create an impact on your career and your team. # Open Positions [SEND YOUR CV AND APPLY NOW!](https://jobs.eu.lever.co/objectway/212884a3-29c8-4745-bff9-6a50ff2c1f22/apply) ### We inspire & grow We are serious about our employees and their personal and professional growth. Earn stock options, get access to benefits and join a team that supports your aspirations. – Health care benefits – Employee stock options – Education support – Professional development ### We are social We work hard, but we have a lot of fun along the way. Located in the heart of Toronto’s Entertainment District, our office is steps away from everything King West and public transit. Here’s what you’ll get: – Team social events – Catered weekly team lunch – Fully stocked kitchen with snacks, fruit, beer and wine – A dog friendly office ### Don’t see a role you’re looking for? Don’t see the job posting you want but think you’re meant to work here? Send your cover letter and resume to: **careers@nestwealth.com** Careers # Be part of the action Join us on the mission to change the way Canadians invest! \*Nest Wealth is part of the Objectway Group ## Why you’ll want to work at Nest Wealth, we imagine & create We’re on a mission to change the way Canadians invest, and you could be part of the action! We’re looking for talented, passionate, creative and motivated individuals. Work with a fun, innovative and fast-growing team. Now’s your chance to make this exciting leap in your career. Together, we imagine and create possibilities. Get the opportunity to get in on the ground floor with like-minded people who want to make a difference. Work in a collaborative environment and create an impact on your career and your team. # Open Positions [SEND YOUR CV AND APPLY NOW!](https://jobs.eu.lever.co/objectway/212884a3-29c8-4745-bff9-6a50ff2c1f22/apply) ### We inspire & grow We are serious about our employees and their personal and professional growth. Earn stock options, get access to benefits and join a team that supports your aspirations. – Health care benefits – Employee stock options – Education support – Professional development ### We are social We work hard, but we have a lot of fun along the way. Located in the heart of Toronto’s Entertainment District, our office is steps away from everything King West and public transit. Here’s what you’ll get: – Team social events – Catered weekly team lunch – Fully stocked kitchen with snacks, fruit, beer and wine – A dog friendly office ### Don’t see a role you’re looking for? Don’t see the job posting you want but think you’re meant to work here? Send your cover letter and resume to: **careers@nestwealth.com** **Categories:** NWAM-2025 --- ### [Contact us](https://nestwealth.com/contact/) **Published:** October 11, 2023 **Author:** Lorenzo Noventa **Excerpt:** For questions or assistance, contact us. **Content:** Contact Us # We’re here to help Have a question or need assistance? Contact us! ### Are you a client? Do you need support? If you have a question or need assistance with an existing account, please open a ticket for: [**Investors** > Nest Wealth Direct support](https://nestwealth.com/sf-webform-investor/)[**Professionals** > Nest Wealth Plus support](https://nestwealth.com/sf-webform-advisor/)or get in touch with: ### New to Nest Wealth, or need more information? To learn more, request a demo, or if you are looking to get invested, simply fill out the form on this page, and our team will get in touch. You can skip this Your full name\* Your email\* Company Your phone\* Product of interest Nest Wealth Direct (for Investors) Nest Wealth Plus (for Professionals) Other Message or Comment \* Yes, I consent to Nest Wealth collecting and storing my personal information for the purposes of contacting me about Nest Wealth services & products. To manage this consent at any time, see our [Privacy Policy](./privacy-policy/). You can skip this --- ![](https://nestwealth.com/wp-content/uploads/2024/01/Screenshot-2024-01-19-at-12.58.20-AM-150x150.png "Screenshot 2024-01-19 at 12.58.20 AM - Nest Wealth | More value, lower fees") ## Send Us A Message Directly **Nest Wealth Asset Management Inc.** 214 King St West, Suite 510 Toronto, Ontario, M5H 3S6 --- ## Nest Wealth Asset Management Inc. 214 King St West, Suite 510 Toronto, Ontario, M5H 3S6 [Show the enlarged map](https://www.openstreetmap.org/?mlat=43.64731&mlon=-79.38676#map=16/43.64731/-79.38676&layers=TN) #### Objectway Group Group Corporate Headquarters Via Giovanni da Procida, 24 20149 Milan, Italy Create your Portfolio now! [GET STARTED](https://join.nestwealth.com/?cta=join_form) Try Nest Wealth Plus now! [REQUEST DEMO](/request-demo/) **Categories:** NWAM-2025 --- ### [Accessibility](https://nestwealth.com/accessibility/) **Published:** June 10, 2025 **Author:** Leonardo Aloi **Excerpt:** At Nest Wealth Asset Management, we are committed to making our website accessible to the widest possible audience, regardless of technology or ability. **Content:** # Accessibility Statement Last Updated: 11th June 2025 At Nest Wealth Asset Management, we are committed to making our website accessible to the widest possible audience, regardless of technology or ability. We are actively working to meet the requirements of the [Web Content Accessibility Guidelines (WCAG) 2.2 Level AA](https://www.w3.org/WAI/WCAG2AA-Conformance "WCAG Guidelines"), in alignment with the [Accessibility for Ontarians with Disabilities Act (AODA)](https://aoda.ca/new-aoda-requirement-for-ontario-websites/ "AODA Guidelines"). If you encounter any barriers while using our website or need information in an alternative format, we’re here to help. Please contact us: We welcome your feedback and will make every reasonable effort to meet your needs. ![W3C WAI-AA WCAG 2.2](https://www.w3.org/WAI/WCAG22/wcag2.2AA.png) ![W3C WAI-AA WCAG 2.2](/wp-content/uploads/2025/06/AODA-logo-1-150x150.webp) **Categories:** Legal, NWAM-2025 --- ### [Complaints](https://nestwealth.com/complaints/) **Published:** June 26, 2025 **Author:** Leonardo Aloi **Excerpt:** If you have a complaint about our services or a product, contact using the methods listed in the page. **Content:** # Complaints - [Canada (except Quebec)](#canada-except-quebec) - [Quebec only](#complaints-quebec) ``` English  |  Française ``` **If you have a complaint about our services or a product, contact using the methods listed below:** ### Nest Wealth Customer Success **** or ### Nest Wealth Asset Management Inc. 214 King St W Suite 510, Toronto, ON M5H 3S6 #### You may want to consider using a method other than email for sensitive information. Tell us: - what went wrong - when it happened - what you expect, for example, money back, an apology, account correction #### Help us resolve your complaint sooner Make your complaint as soon as possible. Reply promptly if we ask you for more information. Keep copies of all relevant documents, such as letters, emails and notes of conversations with us. #### We will acknowledge your complaint We will acknowledge your complaint in writing, as soon as possible, typically within 5 business days of receiving your complaint. We may ask you to provide clarification or more information to help us resolve your complaint. #### We will provide our decision We normally provide our decision in writing, within 90 days of receiving a complaint. It will include: - a summary of the complaint - the results of our investigation - our decision to make an offer to resolve the complaint or deny it, - and an explanation of our decision #### If our decision is delayed If we cannot provide you with our decision within 90 days, we will: - inform you of the delay - explain why our decision is delayed, and - give you a new date for our decision You may be eligible for the independent dispute resolution service offered by the Ombudsman for Banking Services and Investments (OBSI). #### If you are not satisfied with our decision You may be eligible for OBSI’s dispute resolution service. #### A word about legal advice You always have the right to go to a lawyer or seek other ways of resolving your dispute at any time. A lawyer can advise you of your options. There are time limits for taking legal action. Delays could limit your options and legal rights later on. #### Taking your complaint to OBSI You may be eligible for OBSI’s free and independent dispute resolution service if: - we do not provide our decision within 90 days after you made your complaint, or - you are not satisfied with our decision OBSI can recommend compensation of up to $350,000. OBSI’s service is available to clients of our firm. This does not restrict your ability to take a complaint to a dispute resolution service of your choosing at your own expense, or to bring an action in court. Keep in mind there are time limits for taking legal action. #### Who can use OBSI You have the right to use OBSI’s service if: - your complaint relates to a trading or advising activity of our firm or by one of our representatives - you brought your complaint to us within 6 years from the time that you first knew, or ought to have known, about the event that caused the complaint, and - you file your complaint with OBSI according to its time limits below #### Time limits apply If we do not provide you with our decision within 90 days, you can take your complaint to OBSI any time after the 90-day period has ended. If you are not satisfied with our decision, you have up to 180 days after we provide you with our decision to take your complaint to OBSI. #### Filing a complaint with OBSI Contact OBSI Email: **ombudsman@obsi.ca** Telephone: 1-888-451-4519 or 416-287-2877 in Toronto #### Information OBSI needs to help you OBSI can help you best if you promptly provide all relevant information, including: - your name and contact information - our firm’s name and contact information - the names and contact information of any of our representatives who have been involved in your complaint - details of your complaint - all relevant documents, including any correspondence and notes of discussions with us #### OBSI will investigate OBSI works confidentially and in an informal manner. It is not like going to court, and you do not need a lawyer. During its investigation, OBSI may interview you and representatives of our firm. We are required to cooperate in OBSI’s investigations. #### OBSI will provide its recommendations Once OBSI has completed its investigation, it will provide its recommendations to you and us. OBSI’s recommendations are not binding on you or us. OBSI can recommend compensation of up to $350,000. If your claim is higher, you will have to agree to that limit on any compensation you seek through OBSI. If you want to recover more than $350,000, you may want to consider another option, such as legal action, to resolve your complaint. --- For more information about OBSI, **[visit www.obsi.ca](http://www.obsi.ca/)** If you have any questions or to file a complaint, please feel free to reach out to our team at **** --- --- ``` English  |  Française ``` ## Reste du Canada – Plaintes Reste à écrire ``` English  |  Française ``` ## 1. Notre engagement Nous nous engageons à fournir à nos clients un service de la plus haute qualité et à préserver votre confiance. Si vous n’êtes pas satisfait d’un produit, d’un service ou d’une expérience avec notre cabinet, vous avez le droit de déposer une plainte et d’être traité avec équité et respect tout au long du processus. ## 2. Qu’est-ce qu’une réclamation? Une réclamation est toute expression verbale ou écrite d’insatisfaction concernant un produit, un service ou un représentant de Nest Wealth. Une simple demande d’information ou de service, une demande de correction d’une erreur administrative ou de calcul, une demande d’indemnisation ou la communication d’un commentaire ou d’un retour d’information ne sont pas considérées comme des réclamations, sauf si elles répondent aux critères ci-dessus. ## 3. Comment reclama une reclamation Si vous souhaitez déposer une réclamation, veuillez nous contacter par écrit et indiquer clairement que votre message constitue une réclamation. Cela garantit que votre demande sera traitée conformément à notre politique officielle de traitement des réclamations. Vous pouvez déposer votre plainte par: - **Courriel**: Compliance@Nestwealth.com - **Courrier**: 214 Kinf At. W, Suite 510, Toronto, On, M5H 3S6 Veuillez inclure: - Votre nom et vos coordonnées - Une description de votre plainte - Tout document ou détail pertinent ## 4. Procédure de traitement des plaints Processus de base de traitement des plaintes (ci-après « Processus de base »): Une fois votre plainte reçue : - Nous accuserons réception dans les 10 jours, sauf si une procédure simplifiée (décrite ci-dessous) est suivie. - Nous examinerons votre plainte et nous efforcerons de vous fournir une réponse par écrit dans les 60 jours, ou 90 jours dans des circonstances exceptionnelles (si un délai supplémentaire est nécessaire, nous vous en informerons et vous en expliquerons les raisons) ; et - Présenter une offre de règlement, le cas échéant, dans les 30 jours suivant son acceptation par le plaignant. Processus simplifié de traitement des plaintes (ci-après « Processus simplifié »): si Nest Wealth estime que la plainte pourrait être résolu dans un délai de 20 jours, le processus simplifié peut être utilisé. Dès réception d’une réclamation: - Nous accuserons réception de votre réclamation, l’examinerons et vous fournirons une réponse écrite définitive dans un délai de 20 jours ; et - Nous émettrons une offre de règlement, le cas échéant, dans les 30 jours suivant son acceptation par le plaignant. Conformément à la procédure simplifiée, nous ne sommes pas tenus d’envoyer un accusé de réception écrit dans les 10 jours. Toutefois, nous enverrons un accusé de réception écrit si la réclamation n’est pas résolue dans ce délai de 20 jours, auquel cas les délais indiqués dans la procédure de base seront respectés. ## 5. Insatisfaction Si vous n’êtes pas satisfait de notre réponse finale ou si plus de 60 jours se sont écoulés depuis le dépôt de votre plainte, vous pouvez demander que votre dossier soit transféré à l’Autorité des marchés financiers (AMF), qui offre un service gratuit de résolution des différends. Services de traitement des plaintes et de résolution des différends de l’AMF Si vous choisissez de transmettre votre plainte à l’AMF, Nest Wealth transmettra votre dossier à l’AMF pour enquête plus approfondie. Vous pouvez également remplir et envoyer un formulaire de transfert à Nest Wealth, qui le transmettra ensuite avec tous les documents pertinents à l’AMF. Dès réception de votre dossier, l’AMF peut: - Offrir des services de conciliation ou de médiation. - Examiner la situation dans le cadre de ses activités de surveillance des marchés financiers. - Utiliser l’information partagée pour rappeler à une société ou à un représentant ses obligations. L’AMF peut également ouvrir une enquête et engager des poursuites pénales. De plus amples renseignements sur le processus de traitement des plaintes de l’AMF sont disponibles à l’adresse suivante: **Coordonnées – AMF:** > Autorité des marchés financiers > > Place de la Cité, tour Cominar > > 2640, boulevard Laurier, bureau 400 > > Québec (Québec) G1V 5C1 > > **Téléphone**: 1 877 525-0337 > > **Site Web**: *Cette politique est conforme au Règlement sur le traitement des plaintes et le règlement des différends dans le secteur financier (RLRQ, c. E-6.1, r. 1.2) et à la réglementation en valeurs mobilières applicable.* --- ``` English  |  Française ``` ## 1. Our Commitment We are committed to providing our clients with the highest standard of service and maintaining your trust. If you are dissatisfied with a product, service, or experience with our firm, you have the right to make a complaint and to be treated with fairness and respect throughout the process. ## 2. What is a Complaint? A complaint is as any verbal or written expression of dissatisfaction regarding a product, service, or representative of Nest Wealth. Simple requests for information or service, a request to correct a clerical error or mistake in calculation, a claim of indemnity or communication of a comment or feedback are not considered complaints unless they meet the above criteria. ## 3. How to File a Complaint If you wish to file a complaint, please contact us in writing and clearly indicate that your message is a complaint. This ensures your request is handled under our official complaint processing policy. You can submit your complaint via: - **Email**: Compliance@nestwealth.com - **Mail**: 214 King St. W. Suite 510, Toronto Ont. M5H 3S6 Please include: - Your name and contact information - A description of your complaint - Any relevant documents or details ## 4. Complaint Handling Procedure Basic Complaint Handling Process (‘Basic Process’): Once your complaint is received: - We will acknowledge receipt within 10 days, unless a simplified process (as described below) is followed. - We will investigate your complaint and aim to provide a response with a final written decision within 60 days, or 90 days in exceptional circumstances (If additional time is required, we will inform you and explain the reasons thereof); and - Issue a settlement offer, if applicable, within 30 days of acceptance by a complainant. Simplified Complaint Handling Process (‘Simplified Process’): if Nest Wealth believes that the complaint may be resolved within 20 days, the Simplified Process may be used. Once a complaint is received: - We will acknowledge receipt within, investigate your complaint and provide a response with a final written decision within 20 days; and - Issue a settlement offer, if applicable, within 30 days of acceptance by a complainant. Pursuant to the Simplified Process, we are not required to send a written acknowledgement within 10 days, however, we will send a written acknowledgement if the complaint is not resolved within the 20-day period, in which case the timelines listed under the Basic Process will be followed. ## 5. If You Are Not Satisfied If you are not satisfied with our final response or if more than 60 days have passed since you submitted your complaint, you may request that your complaint file be transferred to the Autorité des marchés financiers (AMF), who offers a free dispute resolution service. AMF’s Complaint Handling and Dispute Resolution Services If you elect to escalate your complaint to the AMF, Nest Wealth will forward your file to the AMF for further investigation. You may also complete and send a Transfer Form to Nest Wealth that it will then forward with all relevant documentation to the AMF. Upon receipt of your file, the AMF may: - Offer conciliation or mediation services. - Examine the situation as part of its supervisory activities related to the financial markets. - Use the information shared to remind a firm or representative of its or their obligations. The AMF may also open an investigation and institute penal proceedings. Further guidance and information related to the AMF’s complaint handling process can be found in the following link: https://lautorite.qc.ca/en/general-public/assistance-and-complaints/making-a-complaint?utm\_source=chatgpt.com **Contact Information – AMF:** > Autorité des marchés financiers > > Place de la Cité, tour Cominar 2640, boulevard Laurier, bureau 400 > > Québec (Québec) G1V 5C1 > > **Telephone**: 1 877 525-0337 > > **Website**: *This policy is in accordance with the Regulation respecting Complaint Processing and Dispute Resolution in the Financial Sector (CQLR c. E-6.1, r. 1.2) and applicable securities regulations.* **Categories:** Legal, NWAM-2025 --- ### [Imprint](https://nestwealth.com/imprint/) **Published:** May 20, 2025 **Author:** Leonardo Aloi **Content:** *This imprint was last updated on July 3, 2025.* ### The owner of this website is: Ontario Business Corporation Ontario Business Corporation 214 King St West, Suite 510 Toronto, Ontario, M5H 3S6 Canada Email: support@ex.comnestwealth.com Phone number: +16477252559 VAT ID: 704780303 RT0001 ### The legal representative(s) of Ontario Business Corporation Ontario Business Corporation: Mirco Sarcoli, Director ## 1. General We are not willing or obliged to participate in dispute resolution procedures before a consumer arbitration board. --- ### [Flexible Investment Accounts & Savigs Plans](https://nestwealth.com/flexible-investments-accounts-and-savigs-plans/) **Published:** January 24, 2025 **Author:** Leonardo Aloi **Excerpt:** Nest Wealth allows you to invest with flexibility, using many different account types. **Content:** Accounts & Saving Plans # Flexible investment accounts Choose the account type that best fits your investment needs Nest Wealth allows you to invest with flexibility, using many different account types. Selecting the appropriate account structure for your investments is as crucial as choosing the investments themselves. In Canada’s financial landscape, each account type—from registered plans like RRSPs and TFSAs to non-registered cash accounts—offers distinct advantages and limitations that directly impact taxation, accessibility, and estate planning. ## Investment account comparison RRSP RESP TFSA LIRA RRIF Cash Tax-sheltered growth ✓✓ ✓✓ ✓✓ ✓✓ ✓✓ ✗✗ Contribution flexibility ✓ - ✓ ✗✗ ✗✗ ✓✓ Withdrawal flexibility ✓ ✓ ✓✓ ✗✗ ✓ ✓✓ Government incentives ✓✓ ✓✓ - - - ✗✗ Creditor protection ✓✓ ✓ ✓ ✓✓ ✓✓ ✗ Estate planning benefits ✓ - ✓ ✗ ✗ - Administrative complexity ✓ - ✓✓ ✗ ✗ ✓✓ Income splitting potential ✓ ✓ - ✗✗ ✓ ✗ Contribution limits ✗ ✗ ✗ ✗✗ ✗✗ ✓✓ Tax on withdrawals ✗✗ -\* ✓✓ ✗ ✗✗ ✗ Investment options ✓ ✓ ✓ ✓ ✓ ✓✓ Longevity/time horizon ✓ ✗ ✓✓ ✓ ✗ ✓✓ **Legend:**- ✓✓: Strong advantage - ✓: Moderate advantage - -: Neutral - ✗: Moderate disadvantage - ✗✗: Strong disadvantage **Notes:**- RESP tax on withdrawals (-\*): Educational Assistance Payments are taxed in student's hands (often low/no tax), while principal withdrawals are tax-free Based on information published in 2025 by: CRA – Canada Revenue Agency CIRO – Canadian Investment Regulatory Organization A Registered Retirement Savings Plan (RRSP) is a popular investment vehicle in Canada designed to help individuals save for retirement. Here are the key advantages and disadvantages associated with RRSPs. A Registered Education Savings Plan (RESP) is a long-term savings plan to help people save for a child's education after high school, including trade schools, CEGEPs, colleges, universities, and apprenticeship programs. An adult can also open an RESP for themselves A Tax-Free Savings Account (TFSA) is a flexible savings option available in Canada that allows individuals to save and invest without incurring taxes on earnings. Here are the primary advantages and disadvantages of TFSAs. A locked-in retirement account (LIRA) is a type of registered pension account in Canada that does not permit withdrawals before retirement except in exceptional circumstances A Registered Retirement Income Fund (RRIF) is an arrangement between you and a carrier (an insurance company, a trust company or a bank) that the CRA has registered. You transfer property to your RRIF carrier from an RRSP, a PRPP, an RPP, an SPP, from another RRIF, or from an FHSA and the carrier makes payments to you. As a joint account holder, you share access to the account. You're also responsible for any transaction made by the other account holder. For example, if the account has overdraft protection, all account holders may be held responsible for repaying debts Corporate Account Everywhere in Canada except for Quebec, a Trust Account is way for 1 person (called the settlor) to place financial positions in the care of another person (the trustee) to benefit a third person (the beneficiary) A Cash Account is a Non-registered investment account with huge deposit/withdrawal flexibility; all investment income (interest, dividends, and capital gains) earned in a non-registered cash account is taxable in the year it's received or realized. ## Investment accounts: Pros and Cons [RRSPs: Registered Retirement Savings Plans](#1737733220-1-61) A Registered Retirement Savings Plan (RRSP) is a popular investment vehicle in Canada designed to help individuals save for retirement. Here are the key advantages and disadvantages associated with RRSPs. **Pros** - **Tax-Deductible Contributions**: Contributions to an RRSP are tax-deductible, which reduces your taxable income for the year. This can lead to significant tax savings, especially for higher-income earners. - **Tax-Deferred Growth**: Investments within an RRSP grow tax-free until withdrawal, allowing for potentially greater accumulation due to the effects of compounding without annual tax liabilities. - **Flexibility in Investments**: RRSPs can hold a variety of investment types, including stocks, bonds, ETFs, and GICs, providing flexibility in how you choose to grow your savings. - **Creditor Protection**: Funds in an RRSP are protected from creditors, which means they cannot be seized in the event of bankruptcy or lawsuits. - **Spousal Contributions**: Spousal RRSPs allow one partner to contribute to the other’s account, which can help reduce the overall tax burden in retirement by balancing income levels. - **Home Purchase and Education Benefits**: RRSP funds can be used under certain programs like the Home Buyers’ Plan (HBP) or the Lifelong Learning Plan (LLP) to facilitate home purchases or education costs without immediate tax penalties. **Cons** - **Tax on Withdrawals**: Although contributions are tax-deductible, withdrawals from an RRSP are fully taxable as income. This can lead to a higher tax burden during retirement if you are in a higher tax bracket at that time. - **Limited Contribution Room**: The amount you can contribute is limited based on your income and previous contributions. High earners may find their contribution room restricted. - **Withdrawal Penalties**: Early withdrawals before retirement are subject to withholding taxes and result in a permanent loss of contribution room. This limits access to funds in emergencies. - **Mandatory Conversion**: By age 72, you must convert your RRSP into a Registered Retirement Income Fund (RRIF) or annuity, which requires minimum annual withdrawals—this can impact your financial planning. - **Impact on Government Benefits**: Withdrawals from an RRSP can affect eligibility for income-tested benefits like Old Age Security (OAS), potentially leading to clawbacks. - **Not Ideal for Low-Income Earners**: For individuals in lower tax brackets, contributing to a Tax-Free Savings Account (TFSA) may be more beneficial than an RRSP since they would pay taxes on withdrawals at a higher rate when they retire. In summary, while RRSPs offer significant benefits such as tax deductions and growth potential, they also come with drawbacks that may affect long-term financial planning. Individuals should carefully consider their financial situation and retirement goals when deciding whether to open an RRSP. [RESPs: Registered Education Savings Plans](#1737733220-2-550) The Registered Education Savings Plan (RESP) is a long-term savings plan to help people save for a child’s education after high school, including trade schools, CEGEPs, colleges, universities, and apprenticeship programs. An adult can also open an RESP for themselves **Pros** - **Government Grants**: RESPs qualify for the Canada Education Savings Grant (CESG), where the government matches 20% of annual contributions up to $2,500 (maximum $500 per year, lifetime limit of $7,200). - **Tax-Sheltered Growth**: Investment earnings grow tax-free within the RESP until withdrawal. - **Tax-Advantaged Withdrawals**: When funds are withdrawn for educational purposes (Educational Assistance Payments), they’re taxed in the student’s hands, who typically has a lower income tax rate. - **Provincial Incentives**: Additional grants available in some provinces (Quebec, British Columbia, Saskatchewan) for RESP contributions. - **Flexible Investment Options**: RESPs can hold various investments including mutual funds, stocks, bonds, GICs, and ETFs. - **Long Duration**: RESPs can remain open for up to 36 years, allowing for long-term investment growth. **Cons** - **Limited Purpose**: Funds are primarily intended for post-secondary education; using them for other purposes can result in penalties. - **Contribution Limits**: Lifetime contribution limit of $50,000 per beneficiary, which may be lower than other investment vehicles. - **Grant Repayment Risk**: If the beneficiary doesn’t pursue eligible post-secondary education, government grants must be repaid. - **Withdrawal Restrictions**: Strict rules on what qualifies as eligible education expenses for tax-advantaged withdrawals. - **Potential Tax Consequences**: Accumulated investment income withdrawn for non-educational purposes (Accumulated Income Payments) is subject to regular income tax plus an additional 20% penalty tax. - **Administrative Complexity**: Multiple beneficiaries and grant tracking can make RESP management more complex than other investment accounts. - **Less Control**: Compared to non-registered accounts, RESPs have more restrictions on how and when funds can be accessed. [TFSAs: Tax-Free Savings Accounts](#1737733286898-2-108) A Tax-Free Savings Account (TFSA) is a flexible savings option available in Canada that allows individuals to save and invest without incurring taxes on earnings. Here are the primary advantages and disadvantages of TFSAs. **Pros** - **Tax-Free Growth**: Any income earned within a TFSA, including interest, dividends, and capital gains, is not subject to tax. This allows for tax-free compounding of investments over time, enhancing overall growth potential - **Flexible Withdrawals**: Funds can be withdrawn from a TFSA at any time without incurring taxes. Additionally, any amount withdrawn is added back to your contribution room in the following year, providing ongoing flexibility - **Annual Contribution Limits**: Each year, individuals receive a new contribution limit regardless of their income level. Unused contribution room can be carried forward to future years, allowing for strategic savings planning - **No Impact on Government Benefits**: Withdrawals from a TFSA do not count as income, which means they do not affect eligibility for income-tested government benefits like Old Age Security (OAS) - **Variety of Investment Options**: TFSAs can hold various investment types, including stocks, bonds, mutual funds, and ETFs, making them suitable for both short-term and long-term financial goals. - **No Reporting Requirements**: Unlike some other accounts, contributions and withdrawals from a TFSA do not need to be reported on your tax return, simplifying record-keeping **Cons** - **No Immediate Tax Benefit**: Contributions to a TFSA are not tax-deductible, meaning you do not receive an upfront tax break as you would with an RRSP. This may make TFSAs less appealing for high-income earners seeking immediate tax relief - **Creditor Claims**: Funds in a TFSA are not protected from creditors. In cases of bankruptcy or lawsuits, creditors may claim the assets within the account - **Over-Contribution Penalties**: If you exceed your annual contribution limit, you will incur a penalty of 1% per month on the excess amount until it is withdrawn or corrected - **Limited Use of Investment Losses**: Losses incurred on investments within a TFSA cannot be used to offset gains in other taxable accounts, which can limit tax planning strategies. - **Potential for Early Withdrawals**: While easy access can be beneficial, it also poses the risk of individuals withdrawing funds prematurely for non-essential expenses, undermining long-term savings goals In summary, TFSAs offer significant benefits such as tax-free growth and flexible withdrawals but also come with drawbacks like no immediate tax deductions and potential creditor claims. Individuals should evaluate their financial situation and goals to determine if a TFSA is the right choice for their savings strategy. [LIRA: Locked-In Retirement Account](#1737733299832-3-77) A locked-in retirement account (LIRA) is a type of registered pension account in Canada that does not permit withdrawals before retirement except in exceptional circumstances **Pros** - **Tax-Deferred Growth**: All investments within a LIRA (Locked-In Retirement Account) grow tax-free until withdrawal, maximizing compound growth potential. - **Creditor Protection**: LIRAs generally offer strong protection against creditors in case of bankruptcy or legal judgments. - **Preservation of Retirement Funds**: The locked-in nature prevents early withdrawals, helping ensure funds remain available for retirement. - **Investment Flexibility**: LIRAs can hold various investments including mutual funds, ETFs, stocks, bonds, and GICs. - **Pension Transfer Option**: Provides a way to maintain tax-deferred status when leaving an employer pension plan before retirement. - **No Contribution Limits**: Unlike RRSPs, there are no annual contribution limits (though funds can only come from pension transfers). **Cons** - **Limited Accessibility**: Funds are “locked-in” until retirement age (typically 55), with very limited early withdrawal options. - **Restricted Withdrawal Options**: Even at retirement age, annual withdrawal amounts are often subject to maximum limits based on age and account value. - **Mandatory Conversion:** Must be converted to a LIF (Life Income Fund) or similar income vehicle by age 71. - **Complex Rules**: Regulations vary by province/territory, making it difficult to understand all applicable rules. - **Limited Financial Hardship Provisions**: While some jurisdictions allow limited withdrawals for financial hardship, these are typically more restrictive than RRSP hardship provisions. - **No New Contributions**: Unlike RRSPs, you cannot make new contributions to a LIRA; it can only receive funds from pension plan transfers. - **Estate Planning Limitations**: More restrictions on beneficiary options compared to RRSPs. No Tax Deductions: Unlike RRSP contributions, no tax deductions are available for LIRA transfers. - **Administrative Complexity**: Different financial institutions may have varying policies on LIRA management and available investment options. [RRIF: Registered Retirement Income Fund](#1737733315267-4-47) A registered retirement income fund (RRIF) is an arrangement between you and a carrier (an insurance company, a trust company or a bank) that the CRA has registered. You transfer property to your RRIF carrier from an RRSP, a PRPP, an RPP, an SPP, from another RRIF, or from an FHSA and the carrier makes payments to you. **Pros** - **Continued Tax-Deferred Growth**: Investments within a RRIF (Registered Retirement Income Fund) continue to grow tax-free until withdrawal. - **Flexible Investment Options**: RRIFs can hold a wide variety of investments including stocks, bonds, mutual funds, ETFs, and GICs. - **Income Control**: While minimum withdrawals are required, you can choose to withdraw more than the minimum when needed. - **Flexible Payment Scheduling**: Withdrawals can be scheduled monthly, quarterly, semi-annually, or annually to suit your cash flow needs. - **Spousal Income Splitting:** RRIF income can be split with a spouse/common-law partner for tax efficiency after age 65. - **Pension Income Tax Credit**: RRIF withdrawals qualify for the pension income tax credit after age 65. - **Creditor Protection**: RRIFs generally offer protection from creditors in the event of bankruptcy. **Cons** - **Mandatory Minimum Withdrawals**: Annual minimum withdrawals are required starting the year after opening a RRIF, increasing with age. - **Taxation of Withdrawals**: All RRIF withdrawals are fully taxable as income in the year they are received. Withholding Tax: Financial institutions must withhold tax on withdrawals above the minimum amount. - **Potential OAS Clawback**: RRIF income could trigger Old Age Security clawbacks if it pushes total income above threshold levels. - **Limited Contribution Options**: Unlike RRSPs, new contributions cannot be made to a RRIF. - Market Risk Impact: Mandatory withdrawals during market downturns can force liquidation of investments at lower values. - **Estate Planning Complexity**: Upon death, the full value of the RRIF is generally included as income on the final tax return, potentially creating a significant tax burden. - **Inflexible Structure After Conversion**: Once an RRSP is converted to a RRIF, the decision cannot be reversed. - **Management Responsibility**: Ongoing investment management decisions remain the responsibility of the account holder throughout retirement. [Cash Account (non-registered)](#1737733331316-5-14) A cash account (or non-registered investment account) is a taxable brokerage account where investments are held outside of tax-advantaged vehicles like RRSPs or TFSAs. **Pros** - **No Contribution Limits:** Non-registered accounts have no annual contribution limits, unlike RRSPs or TFSAs. - **Tax Efficiency for Capital Gains:** Only 50% of capital gains (profits from selling investments) are taxable. Losses can offset gains to reduce tax liability. - **Dividend Tax Credits:** Eligible dividends from Canadian corporations qualify for a tax credit, lowering the effective tax rate on dividend income. - **Foreign Tax Credits:** Taxes withheld on foreign investments (e.g., U.S. dividends) can be claimed as credits against your Canadian tax bill. - **Flexibility in Withdrawals:** Funds can be withdrawn at any time without penalties or restrictions. **Cons** - **Tax Drag**: All investment income (interest, dividends, capital gains) is taxed annually, reducing compounding potential. - **No Tax Deductions**: Contributions are not tax-deductible, unlike RRSPs. - Tax Complexity -Tracking and reporting capital gains/losses, dividends, and interest can be time-consuming. - **Impact on Government Benefits**: Investment income counts as taxable income, potentially affecting eligibility for income-tested benefits like Old Age Security (OAS). - **No Creditor Protection**: Assets in non-registered accounts are not shielded from creditors. Based on information published in 2025 by: [CRA – Canada Revenue Agency]() [CIRO – Canadian Investment Regulatory Organization](https://www.ciro.ca/) [Joint Ownership Account](#1737733331316-5-145) As a joint account holder, you share access to the account. You’re also responsible for any transaction made by the other account holder. For example, if the account has overdraft protection, all account holders may be held responsible for repaying debts **Pros** - Simplified Estate Administration: Assets pass directly to the surviving joint owner(s) upon death, bypassing probate process. - Immediate Access to Funds: Surviving owners have uninterrupted access to the account without waiting for estate settlement. - Reduced Probate Fees: Assets held in joint ownership generally avoid probate fees and related expenses. - Convenience for Shared Financial Management: Enables multiple parties to manage investments and handle financial transactions. - Potential Creditor Protection: In some circumstances, joint accounts may offer protection against creditors of a single owner. - Simplified Decision-Making: Can provide practical assistance for elderly individuals by allowing trusted family members to help manage finances. - No Need for Power of Attorney: Joint owners can manage the account if one becomes incapacitated, without requiring additional legal documents. **Cons** - Loss of Control: Each joint owner typically has full access and equal rights to the entire account, regardless of contribution. - Exposure to Co-owner’s Creditors: Assets may be vulnerable to claims from the other owner’s creditors or legal judgments. - Tax Attribution Rules: Income earned may be attributed back to the original [Corporate Account](#1737733343853-6-242) **Pros** - Tax Deferral Advantage: Corporate tax rates (especially for small businesses) are typically lower than high personal income tax rates, allowing more capital to remain invested. - Income Splitting Opportunities: Potential to distribute dividends to family shareholders in lower tax brackets, reducing overall family tax burden. - Tax-Efficient Investment Income: Certain investment income (like Canadian dividends) receives preferential tax treatment within a corporation. - Capital Dividend Account: Tax-free distribution of the non-taxable portion of capital gains and life insurance proceeds to shareholders. - Creditor Protection: Corporate structure may provide additional protection from personal creditors. - Estate Planning Flexibility: Shares can be transferred to heirs or estate freezes implemented to minimize future tax liabilities. - Business Expense Deductions: Legitimate investment-related expenses may be deductible against corporate income. - Retirement Planning Tool: Can serve as an additional retirement savings vehicle beyond registered plans like RRSPs. **Cons** - Double Taxation Risk: Potential for taxation at both corporate and personal levels without proper planning. - Additional Compliance Costs: Annual corporate tax returns, financial statements, and corporate filings increase administrative burden and expenses. - Passive Income Limitations: Significant passive investment income can reduce access to the small business tax rate under current rules. - Complex Tax Integration: The tax system is designed for integration but doesn’t always perfectly eliminate double taxation. - Reduced Capital Gains Exemption: Accumulating too many investment assets may jeopardize the Qualified Small Business Corporation status for the lifetime capital gains exemption. - Higher Setup and Maintenance Costs: Legal and accounting fees for incorporation and ongoing compliance are significant. - Restricted Investment Losses: Capital losses within a corporation have more limited use than in personal accounts. - Enhanced CRA Scrutiny: Corporate investment accounts often face more detailed examination during tax audits. - Complexity Upon Withdrawal: Extracting funds requires careful planning (salary vs. dividends) to minimize tax impact. - Limitations on Personal Use: Improper personal use of corporate assets can trigger shareholder benefit issues and additional taxation. [Trust Account](#1737733377463-7-999) Everywhere in Canada except for Quebec, a trust is way for 1 person (called the settlor) to place assets or property in the care of another person (the trustee) to benefit a third person (the beneficiary) **Pros** - Estate Planning Benefits: Trusts can help avoid probate, potentially reducing delays and costs in transferring assets to beneficiaries. - Control Over Asset Distribution: Allows for specific instructions on how and when beneficiaries receive assets, even after the settlor’s death. - Privacy Protection: Unlike wills, which become public during probate, trust details generally remain private. - Asset Protection: Certain trust structures can provide protection against creditors and legal judgments. Tax Planning Opportunities: Trusts can be structured to minimize or defer taxes through income splitting or timing of distributions. - Provision for Incapacity: A trust can continue to function if the settlor becomes incapacitated, avoiding the need for power of attorney arrangements. - Flexibility in Investment Management: Can appoint professional trustees or investment managers with specific expertise. - Continuity Across Generations: Allows for multigenerational wealth transfer and management strategies. **Cons** - Complex Administration: Trusts require ongoing administration, record-keeping, and potentially separate tax filings. - Setup and Maintenance Costs: Legal fees for establishment, trustee fees, and accounting costs can be substantial. - Less Favorable Tax Treatment: Trust income not distributed to beneficiaries is often taxed at the highest marginal tax rate. - Reduced Control for Settlor: Once assets are placed in certain trusts, the settlor may have limited ability to access or control them. - Regulatory Complexity: Trust rules vary by province and can be complicated to navigate without professional assistance. - Limited Flexibility for Changes: Some trusts, particularly irrevocable trusts, offer limited options for modification after establishment. - Potential for Family Conflict: Trustee decisions regarding distributions can sometimes lead to disputes among beneficiaries. - Specialized Expertise Required: Proper trust management often requires legal, tax, and investment expertise. - Enhanced Reporting Requirements: Trust accounts are subject to additional reporting requirements, including the Trust Income Tax and Information Return (T3). - Investment Restrictions: Depending on the trust terms, there may be limitations on investment strategies or asset classes. Create your Portfolio now! [GET STARTED](https://join.nestwealth.com/?cta=join_form) Try Nest Wealth Plus now! [REQUEST DEMO](/request-demo/) **Categories:** NWAM-2025 --- ### [Nest Wealth Plus: Empower your financial business](https://nestwealth.com/empower-your-financial-business-with-our-digital-wealth-management-solution/) **Published:** June 19, 2024 **Author:** Leonardo Scarpa **Excerpt:** Empower your financial business with Nest Wealth Digital Wealth Management solution. **Content:** Nest Wealth Plus # Empower your financial business Your all-in-one Digital Wealth Management solution your clients will understand ![Nest Wealth Plus - for Financial Professionals](https://nestwealth.com/wp-content/uploads/2025/03/Nw_Plus-trimmed.webp "Nest Wealth Plus UI - Nest Wealth | More value, lower fees") [PROFESSIONALS LOGIN](https://admin.nestwealth.com/login?_ga=2.198107951.1826095708.1696879242-1661430440.1692732148&_gl=1*g78cv5*_ga*MTY2MTQzMDQ0MC4xNjkyNzMyMTQ4*_ga_C0T0B4W4T3*MTY5NzEyNTM1Ny4yMy4xLjE2OTcxMjU0OTcuMC4wLjA.*_ga_VELC36JRQJ*MTY5NzEyNTM1Ny4yMy4xLjE2OTcxMjU0OTcuMC4wLjA.)[PROFESSIONALS SUPPORT](https://nestwealth.com/sf-webform-advisor/) ## ## Are you a financial professional looking for a simplified and efficient way to manage your clients’ wealth? Nest Wealth provides you with the digital tools, ETF portfolios and support you need. Say goodbye to paperwork and welcome a new era of digital wealth management. **Nest Wealth Plus** is a cutting-edge out-of-the-box Digital Wealth Management Platform designed to empower financial professionals to spend less time on compliance and administrative tasks, freeing up more time to do what matters most: advising clients and connecting with new prospects. NEST WEALTH PLUS ### What to expect from Nest Wealth Plus - [Frictionless onboarding](#tab-1715869937-1-67) - [Portfolio rebalancing](#tab-1715869937-2-3) - [Dedicated support](#tab-1715870042709-2-2) - [Increased revenue](#tab-1715870042709-2-26) - [Customized Portfolios](#tab-1715870042709-2-265) - [Seamless book transfer](#tab-1715870042709-2-2651) ![](https://nestwealth.com/wp-content/uploads/2024/01/NW-Plus-1.jpg "NW-Plus---1 - Nest Wealth | More value, lower fees") ### ### Digital onboarding solution Say goodbye to lengthy onboarding processes. Nest Wealth Plus offers quick and easy client onboarding. Onboard your clients in under 15 minutes, thanks to paperless user-friendly process. ![](https://nestwealth.com/wp-content/uploads/2024/01/NW-Direct-3.jpg "NW-Direct---3 - Nest Wealth | More value, lower fees") ### ### Rebalancing We take the hassle out of portfolio management. Nest Wealth monitors portfolio asset allocation and rebalances to ensure it aligns with clients’ goals and risk profile. ![Nest Wealth Support Team](https://nestwealth.com/wp-content/uploads/2025/04/NW-support.webp "NW-support - Nest Wealth | More value, lower fees") ### ### Dedicated support teams Having access to responsive support when you need it is critical to ensuring a great client experience. We offer exceptional support through our Customer Experience and Customer Success teams, ensuring you always have expert assistance when you need it. We are committed to responding within one business day to your inquiries. ![Increase Revenues concept](https://nestwealth.com/wp-content/uploads/2025/04/NW-increase-revenue.webp "NW-increase-revenue - Nest Wealth | More value, lower fees") ### ### Increased revenue Partnering with Nest Wealth can help increase your revenue since you will get to keep 100% of your referral fees earned through the Nest Wealth Plus referral program. ![Custom ETFs](https://nestwealth.com/wp-content/uploads/2025/04/NW-customized-ETFs.webp "NW-customized-ETFs - Nest Wealth | More value, lower fees") ### ### Customized ETF Portfolios Nest Wealth Plus simplifies investment management with access to customized ETF portfolios for your clients. We carefully select ETFs that are liquid and have a low tracking error to their underlying index. Lower fees and higher liquidity mean more returns for your clients. Our actively managed investment portfolios are provided to us by Forstrong Global Asset Management. ![Client setup for Nest Wealth Plus (Professionals)](https://nestwealth.com/wp-content/uploads/2025/01/advisory-setup-workflow-mobile.svg) ### ### Seamless book transfer We work with you to transition your book of business to Nest Wealth Plus platform as quickly and seamlessly as possible, while ensuring an exceptional client experience. There is no AUM minimum required. The ultimate Wealth Solution for Financial Professionals **Nest Wealth Plus** is not just a platform; it is your partner in simplifying wealth management. Focus on your clients: not paperwork. Transition to a digital future with Nest Wealth Plus and experience business independence. Try Nest Wealth Plus now! [REQUEST DEMO](/request-demo/) ## Real results. Real ROI. Firms that have partnered with Nest Wealth have seen significant improvements in their onboarding processes, higher client satisfaction, decreases in overhead costs and business growth. ![ROI for financial Professionals](https://nestwealth.com/wp-content/uploads/2025/04/NW-results-roi.webp "NW-results-roi - Nest Wealth | More value, lower fees") ![Nest Wealth Account Advisor Stats](https://nestwealth.com/wp-content/uploads/2023/12/Advisor-Stats-5.jpg "Advisor-Stats-5 - Nest Wealth | More value, lower fees") “**I’m very pleased with the transition and transfer of my business to Nest Wealth.** Their strong competitive advantages include their ability to seek timely solutions, the high-quality support team ensuring client service issues are sorted out with the custodian, and the excellent, easy-to-use client and advisor interfaces. The sign-in as a client feature is first in class compared to the competition. The RazorPlan financial planning tool is excellent. I find it beneficial to include this in my client service level offering. I use it to project retirement income and to present life insurance sales opportunities. I’m looking forward to having the comfort of a reliable and competent solution for my wealth management business.” — Ian Thompson | Director, Governance & Analytics, Jones DesLauriers NEST WEALTH PLUS ### Wealth Management platform for different needs - [Financial Advisor](#tab-1671548483489-0-916728314047851672833104030167688781065917018417185471737711947274) - [Financial Planner](#tab-1701841906450-3-21737711947274) - [Life Licensed Agent + Broker](#tab-1701842133854-4-31737711947274) - [Dealer + MGA](#tab-1701843500329-4-51737711947274) ![Financial Advisors](https://nestwealth.com/wp-content/uploads/2025/04/NW-financial-advisors.webp "NW-financial-advisors - Nest Wealth | More value, lower fees") ### Eliminate compliance burden & offer more value Defer the “know your client”, “know your product” and suitability responsibility to a portfolio manager. ### Boost profitability & eliminate headaches Outsource low-value activities to improve economies of scale, allowing you to focus more on building new and nurturing existing client relationships without the burden of compliance, administration, and investment management responsibilities. ### Offer more value to clients Add passive and actively managed portfolios to your product shelf for your clients, make money less abstract with our technology and make your clients want to engage more with simple functionality. Provide them with a total online account view with easy access to charts and dashboards. ### Transition your practice for the future Alleviate risk and your administrative burden while maintaining access to client information and improved tracking of all of your client accounts. Best of all, keep more of your revenue and decrease your overhead costs. ![Financial Planners](https://nestwealth.com/wp-content/uploads/2025/04/NW-financial-planners.webp "NW-financial-planners - Nest Wealth | More value, lower fees") ### Easy client referrals Our platform makes customer referrals fast, easy and hassle-free. ### Offer more value Our technology makes money less abstract, empowering clients to engage more – a total online account view with easy access to charts and dashboards. ### Save your clients money Our capped monthly fees mean the more your clients invest the more they save. Your clients pay a maximum of $150/month no matter how much they invest. ### Get better insights Our advisor dashboard makes it easy to get all the information that powers the financial plan you create. ![Agents and Brokers](https://nestwealth.com/wp-content/uploads/2025/04/NW-agents-brokers.webp "NW-agents-brokers - Nest Wealth | More value, lower fees") ### Diversify your offerings Add passive and actively managed portfolios to your offerings for your clients. ### Strike the right balance Deliver a win-win proposition that makes you look great in the eyes of your clients. ### Save your clients money Our capped monthly fees mean the more your clients invest the more they save. Your clients pay a maximum of $150/month no matter how much they invest. ![Dealers and MGAs](https://nestwealth.com/wp-content/uploads/2025/04/NW-dealers-MGA.webp "NW-dealers-MGA - Nest Wealth | More value, lower fees") ### Help your Advisor Team reach their full potential Provide your advisors’ access to passive and actively managed portfolios through an innovative digital platform for Managing General Agents. ### Level the playing field for your Advisor. Improve retention and increase client leads by reaching a broader audience with another product offering. ### Flexibility to service all your client segments We provide you with the support to mitigate risk, decrease compliance burden and improve the client experience overall. Try Nest Wealth Plus now! [REQUEST DEMO](/request-demo/) --- ### Spend less time manually Entering decumulation strategies In retirement Spend more time engaging clients in meaningful discussions. --- ### Improve client satisfaction Easily provide better options in a more digestible way Clearly demonstrate the value you bring to clients with easy-to-read charts and reports. --- [RAZORPLAN >](https://www.objectway.com/razorplan-financial-planning-software-to-engage-clients/) Create financial plans that clients understand, add life insurance, calculate rate of return, and plan cash flow. [DISCOVER MORE](https://www.objectway.com/razorplan-financial-planning-software-to-engage-clients/) ![Financial Advisors meeting](https://nestwealth.com/wp-content/uploads/2025/04/NW-Financial-Advisors-Meeting.webp "NW-Financial-Advisors-Meeting - Nest Wealth | More value, lower fees") ### Unleash your digital potential, ask for more information about To learn more information or request a demo please fill out the form below and our team will be in touch in 1-2 business days. Your full name\* Your email\* Company Your phone Message or Comment \* Yes, I consent to Nest Wealth collecting and storing my personal information for the purposes of contacting me about Nest Wealth services & products. To manage this consent at any time, see our [Privacy Policy](./privacy-policy/). You can skip this ![Nest Wealth Asset Management logo, light theme](https://nestwealth.com/wp-content/uploads/2024/09/NWAM-logo-onlight.webp "NWAM-logo-onlight - Nest Wealth | More value, lower fees") “Nest Wealth” is the trade name of Nest Wealth Asset Management Inc. The products and services advertised are designed specifically for investors in the provinces of AB, BC, MB, SK, PE, NB, NL, NS, QC and ON and may not be available to all investors. Products and services are only offered in accordance with applicable laws and regulations. This website is neither an offer to sell nor a solicitation of an offer to sell securities in any jurisdiction. **Categories:** NWAM-2025 --- ### [Individual Investors](https://nestwealth.com/simplified-wealth-management-for-individual-investors/) **Published:** December 7, 2023 **Author:** Lorenzo Noventa **Excerpt:** We provide individual investors with customized portfolio solutions designed to meet unique goals and maximize long-term returns. **Content:** Nest Wealth Direct # Simplified Wealth Management for individual investors One of the lowest Portfolio Management fees in Canada ![Nest Wealth Direct - for Individual Investors](https://nestwealth.com/wp-content/uploads/2025/03/Nw_Direct-trimmed.webp "Nest Wealth Direct UI - Nest Wealth | More value, lower fees") [INVESTOR LOGIN](https://my.nestwealth.com/login)[INVESTOR SUPPORT](https://nestwealth.com/sf-webform-investor/) ## Keep more of your money Nest Wealth Direct offers sophisticated wealth management that lets you minimize costs. ## Create your portfolio In minutes Tailor your personalized portfolio quickly by answering a few simple questions – it takes just five minutes! ## Track your savings online Witness the growth of your money and keep tabs on your journey towards achieving financial milestones. ## Support at your fingertips Your account is overseen by skilled portfolio managers & our support team is available to assist at every stage whenever you need it. Nest Wealth Direct ## Personalized Portfolios Your personal financial goals are important to us. That’s why we created personalized portfolios for each & every investor. - [Investment approach](#tab-1715869937-1-671737653094536) - [Asset classes](#tab-1715869937-2-31737653094536) - [Rebalancing](#tab-1715870042709-2-21737653094536) - [Fee structure](#tab-1715870042709-2-201737653094536) - [What Is An ETF?](#tab-1715870042709-2-2071737653094536) ![](https://nestwealth.com/wp-content/uploads/2024/01/NW-Direct-1B.jpg "NW-Direct---1B - Nest Wealth | More value, lower fees") ### ### Our investment approach We take a prudent approach to investing, ensuring that we invest your funds across many markets, properly diversified amongst asset classes for the long term, and based on the best empirical research available ![](https://nestwealth.com/wp-content/uploads/2024/01/NW-Direct-2.jpg "NW-Direct---2 - Nest Wealth | More value, lower fees") ### ### Asset classes Asset classes are the fundamental building blocks of a portfolio. Your asset mix will take into account your time horizon, risk tolerance and other relevant personal/financial circumstances. ![](https://nestwealth.com/wp-content/uploads/2024/01/NW-Plus-2.jpg "NW-Plus---2 - Nest Wealth | More value, lower fees") ### ### Rebalancing Creating your customized portfolio is only the starting point of a successful investment strategy. Every step of the way, Nest Wealth will ensure you are working towards your stated financial goals. [![Nest Wealth fees for Direct clients](https://nestwealth.com/wp-content/uploads/2025/03/investors-fees-bar-mobile.svg) ](/pricing) **The average portfolio Management Expense Ratios (MERs) are 0.13%.** Management Expenses are not charged by us, but indirectly by underlying [fund companies](/personalized-portfolios/#etf-companies), and impact the returns you see as an investor. ### ### Fee structure **Management Fees**: Your management fee ranges from $5 a month to $150 per portfolio (client ID) that you hold with us. This fee is for portfolio management and service activities offered by Nest Wealth. **Underlying Management Expense Ratio (MERs)**: The investments held in your portfolio (ETFs and/or Pooled funds) have a built-in cost charged by the companies managing them. Our passive ETFs MERs range from 0.06% to 0.37%. **Currency Exchange**: When we buy or sell US dollars to trade ETFs in your CAD accounts, the custodians charge an additional fee to the exchange/conversion rate used. **Other Custodial Fees**: When you open an account through Nest Wealth, your account is held with one of two custodians (NBIN or FCC). During account opening, you will receive additional information about the custodian fees in effect as of this time for other day-to-day administrative requests that can arise. ![ETF Categories](https://nestwealth.com/wp-content/uploads/2025/03/ETF-categories.webp "ETF-categories - Nest Wealth | More value, lower fees") Bubble sizes represent the approximate AUM of the ETF categories in the Canadian market. ### ### What is An ETF? An exchange-traded fund (ETF) is an investment fund traded on a stock exchange (like a stock), but holds a basket of investments (like a mutual fund). Most ETFs track broad, well-established indices like the S&P 500 or TSX. ETFs are a low-cost and efficient way to build a diversified investment portfolio. They allow you to gain exposure to a variety of asset classes like bonds, equities and real estate. Learn more about our [investment approach with ETFs](/personalized-portfolios/#about-etf). Create your Portfolio now! [GET STARTED](https://join.nestwealth.com/?cta=join_form) Frequently Asked Questions ### Understanding Nest Wealth Direct [What type of accounts can I open?](#1743697856319-5-9) Nest Wealth supports almost all types of investment accounts including individual, joint, corporate, and trust accounts with the exception of Registered Disabilities Savings Plans (RDSPs). For more details, visit the [Investment Accounts](/flexible-investments-accounts-and-savigs-plans/) page. [How long will it take for my account to open and become funded?](#1743698003802-5-3) Our custodian can typically open an account within 24-48 hours. Once an account is open, you can submit funding requests from your bank account or transfer an existing account from another institution. [How much time it takes for an investment account to come over to Nest Wealth?](#1743698085490-5-3) This largely depends on where the investment account is held currently and whether or not the current institution is a member of the ATON network or not. Here are the general timeframes for the different types of transfers: - **Electronic: 2-4 weeks** - **Non-Electronic: 4-6 weeks** [Can I customize my portfolio?](#1743698178057-4-10) We will work with you to determine what the best asset allocation mix is for you based on our existing ETF lineup. Other securities cannot be added or removed from these models but we can modify your cash target based on your short-term liquidity needs. [What happens after I have made my first deposit?](#1702996276969-2-7174056457276517405648021227) A Portfolio Manager will reach out to you before we proceed to invest the funds. Before investing the money you’ve deposited, we want to make sure you are comfortable with the answers you have given in the risk questionnaire and also with the proposed asset allocation mix. [How do I withdraw my money from the Nest Wealth account?](#1702996277955-3-10174056457276517405648021225) Simply log into your Nest Wealth profile and in the **‘Accounts’** section you’ll be able to quickly and safely request a withdrawal. [What are your investment minimums?](#1702996278799-4-9174056457276517405648021228) Our investment minimums are as follows: **Less than $1000** = Account sits in cash **$1000 to $19,999** = Account will be invested in a one-ticket solution **$20,000 +** = Accounts will be invested in our customized ETF portfolios [How do I fund My Account?](#1710516918228-5-4174056457276517405648021223) Simply log into your Nest Wealth profile and in the ‘Transfers’ section you’ll be able to quickly and safely request for the money to be transferred from your bank or brokerage account. [How do I Open an Account with Nest Wealth?](#1710516926022-6-4174056457276517405648021221) There’s no need to visit our office or print off a pile of documents and mail them in. The entire process is carried out electronically on our Web site. If you have any questions during the process just send us a note to support@nestwealth.com or request a call with us. Please make sure you have the following on hand: - A valid, government issued, photo ID - Online banking login information or copy of a void cheque - (Optional) – A statement for any existing investment account(s) you would like to transfer over Find more answers in the [FAQs page >](/faqs) ![Nest Wealth Asset Management logo, light theme](https://nestwealth.com/wp-content/uploads/2024/09/NWAM-logo-onlight.webp "NWAM-logo-onlight - Nest Wealth | More value, lower fees") “Nest Wealth” is the trade name of Nest Wealth Asset Management Inc. The products and services advertised are designed specifically for investors in the provinces of AB, BC, MB, SK, PE, NB, NL, NS, QC and ON and may not be available to all investors. Products and services are only offered in accordance with applicable laws and regulations. This website is neither an offer to sell nor a solicitation of an offer to sell securities in any jurisdiction. **Categories:** NWAM-2025 --- ### [Cookie Policy](https://nestwealth.com/cookie-policy/) **Published:** October 10, 2023 **Author:** Lorenzo Noventa **Excerpt:** This Cookie Policy explains how Nest Wealth uses cookies and similar technologies. **Content:** # Cookie Policy Last Updated: 1 January 2024 This Cookie Policy explains how Nest Wealth uses cookies and similar technologies to recognize you when you visit our Websites at NestWealth.com and RazorPlan.com It explains what these technologies are and why we use them, as well as your rights to control our use of them. In some cases we may use cookies to collect personal information, or data that becomes personal information if we combine it with other information. #### What are Cookies? Cookies are small data files that are placed on your computer or mobile device when you visit a website. Cookies are widely used by website owners in order to make their websites work, or to work more efficiently, as well as to provide reporting information. Cookies set by Nest Wealth are called “first-party cookies.” Cookies set by parties other than Nest Wealth are called “third-party cookies.” Third-party cookies enable third-party features or functionality to be provided on or through the website (e.g., interactive content and analytics). The parties that set these third-party cookies can recognize your computer both when it visits the website in question and also when it visits certain other websites. #### Why Do We Use Cookies? We use first- and third-party cookies for several reasons. Some cookies are required for technical reasons in order for our Websites to operate, and we refer to these as “essential” or “necessary” cookies. Other cookies also enable us to track and target the interests of our users to enhance the experience on our Online Properties. Third parties serve cookies through our Websites for analytics, advertising and other purposes. This is described in more detail below. #### How can I Manage Cookies? You have the right to decide whether to accept or reject cookies. You can exercise your cookie rights by setting your preferences in the Cookie Consent Manager. The Cookie Consent Manager allows you to select which categories of cookies you accept or reject. Essential cookies cannot be rejected as they are strictly necessary to provide you with services. When you first visit our Website, you may set your preferences and at any time, you can modify your preferences on the non-essential cookies. You can also delete your cookies by clearing your browsing history and cookies in your web browser. Additionally, our cookie banner may be presented to you again if you erase cookies, use a different browser or computer, or if we modify our Websites. The Cookie Consent Manager can be found in the notification banner and on our website. If you choose to reject non-essential cookies, you can still use our website, though certain areas of functionality may be impeded or restricted. The specific types of first- and third-party cookies served through our Websites and the purposes they perform are described in the table below (please note that the specific cookies served may vary depending on the specific Online Properties you visit). - Essential or necessary cookies: These cookies are strictly necessary to provide you with services or functionality through our Websites and to use some of its features, such as access to secure areas. - Performance and functionality cookies: These cookies are used to enhance the performance and functionality of our Websites, but are non-essential to their use. However, without these cookies, certain functionality (like videos) may become unavailable. - Analytics cookies: These cookies collect information that is used either in aggregate form to help us understand how our Websites are being used or how effective our marketing campaigns are, or to help us customize our Websites for you and improve the user experience and the convenience of our Website operations. They allow us to understand how you arrive at our websites and how you use them to improve performance, for example, by compiling statistics and visit volumes (e.g., pages consulted and browsing routes).. - Advertising cookies: These cookies are used to make advertising messages more relevant to you. They perform functions like preventing the same ad from continuously reappearing, ensuring that ads are properly displayed for advertisers, and in some cases selecting advertisements that are based on your interests. Nest Wealth does not currently use any advertising cookies. - Social networking cookies: These cookies are used to enable you to share pages and content that you find interesting on our Websites through third-party social networking and other websites. These cookies may also be used for advertising purposes. - Unclassified cookies: These are cookies that have not yet been categorized. We do not currently have any unclassified cookies. #### How Can I Manage Cookies in My Browser? Since the way you can refuse cookies through your web browser controls varies from browser to browser, you should visit your browser’s help menu for more information. If you would prefer not to accept cookies, most browsers will allow you to change your browser settings to notify you when you receive a cookie which lets you choose whether or not to accept it or to disable/automatically reject any cookies. However, you may not disable certain types of cookies that are essential for the operation of the website. Here are instructions for some common browsers: - **[Google Chrome](https://support.google.com/chrome/answer/95647?hl=en-GB)** - **[Mozilla Firefox](https://support.mozilla.org/en-US/kb/cookies-information-websites-store-on-your-computer#w_cookie-settings)** In addition, most advertising networks offer you a way to opt out of targeted advertising. If you would like to find out more information you can visit the Digital advertising Alliance of Canada’s website (DAAC) at **.** You can opt-out of network advertising programs that track your activities across multiple websites to deliver personalized advertising content to you. For more information on how you can opt out from this advertising, you can visit the Digital advertising Alliance of Canada’s website (DAAC) at **.** #### **How often will you update this Cookie Policy?** We may update this Cookie Policy from time to time in order to reflect, for example, changes to the cookies we use or for other operational, legal, or regulatory reasons. Please therefore revisit this Cookie Policy regularly to stay informed about our use of cookies and related technologies. #### Who can I contact if I have questions about cookies or interest-based advertising? Should you have any questions or concerns about our interest-based advertising or our privacy policy, please contact our Privacy Officer at **[privacy@nestwealth.com](mailto:questions@nestwealth.com).** You can also contact us at 647-725-2559 or reach us by mail at 510-214 King St. West, Toronto ON M5H3S6. All submissions/inquiries should be directed to the attention of the Privacy Officer. 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[Read more about CloudFlare](https://cookiedatabase.org/service/cloudflare/) #### Sharing data For more information, please read the [CloudFlare Privacy Statement](https://www.cloudflare.com/privacypolicy). #### Functional ##### Name [\_\_cf\_bm](https://cookiedatabase.org/cookie/cloudflare/__cf_bm/) ##### Expiration 30 minutes ##### Function Read and filter requests from bots ##### Name [cf\_\*](https://cookiedatabase.org/cookie/cloudflare/cf_/) ##### Expiration 30 secs ##### Function Informs Cloudflare to fetch the requested resource from the Always Online cache on the designated port. ### Miscellaneous Purpose pending investigation Consent to service miscellaneous #### Usage #### Sharing data Sharing of data is pending investigation #### Purpose pending investigation ##### Name wp-autosave-1 ##### Expiration ##### Function ##### Name ajs_anonymous_id ##### Expiration ##### Function ##### Name _clck ##### Expiration ##### Function ##### Name ot_button_edit ##### Expiration ##### Function ##### Name adobeCleanFontAdded ##### Expiration ##### Function ##### Name uncode_settings_clipboard ##### Expiration ##### Function **Categories:** Legal, NWAM-2025 --- ### [Pricing & Fixed Fees](https://nestwealth.com/pricing/) **Published:** January 24, 2025 **Author:** Leonardo Aloi **Excerpt:** Monthly fees that depend only on your portfolio valuation. **Content:** Pricing # Understandable fixed fees Monthly fees that depend only on your portfolio valuation ## Direct clients You know in advance how much our fee is: it only depends on the value of your portfolio. [![Nest Wealth fees for Direct clients](https://nestwealth.com/wp-content/uploads/2025/03/monthly-fees.svg) ](/pricing) [![Nest Wealth fees for Direct clients](https://nestwealth.com/wp-content/uploads/2025/03/investors-fees-bar-mobile.svg) ](/pricing) **The average portfolio Management Expense Ratios (MERs) are 0.13%.** Management Expenses are not charged by us, but indirectly by underlying [fund companies](/invest-with-personalized-portfolios/#etf-companies), and impact the returns you see as an investor. **Monthly fees** (in Canadian Dollars) are fixed to: - $5 for an invested portfolio value under $10k - $25 for an invested value from $10k to under $25k - $50 for an invested value from $25k to under $150k - $100 for an invested value from $150k to under $325k - $150 for an invested value equal or greater than $325k ## Referred clients The annual Investment Management Fee payable to Nest Wealth is **0.35%** **of the net asset value** of assets under management per client, with a minimum of $5 and a maximum of $150 per month. Fees plus applicable taxes will be collected on a monthly basis by applying 1/12th of the annual service fee against the month end value of the accounts managed by Nest Wealth. Nest Wealth may also pay a Referral fee to your Referrer as outlined in the “Referral Fee Disclosure Statement” provided to you as a separate attachment in your account opening package. Create your Portfolio now! [GET STARTED](https://join.nestwealth.com/?cta=join_form) Try Nest Wealth Plus now! [REQUEST DEMO](/request-demo/) ### Monthly Portfolio Management fees per client The Investment Management Fee payable to Nest Wealth is 0.35% of the net asset value of assets under management per client. Fees plus applicable taxes will be collected on a monthly basis by applying 1/12th of the annual service fee against the month end value of the accounts managed by Nest Wealth. Nest Wealth may also pay a Referral fee to your Referrer as outlined in the “Referral Fee Disclosure Statement” provided to you as a separate attachment in your account opening package. **Portfolio Management fees**: We offer various pricing solutions for different investor types, including those that are already working with a financial professional when referred to our platform. We provide more information about these fees on our website and through the pricing section of our [Investment Management Agreement](/investment-management-agreement/). **Management Expense Ratio (MER)**: A Management Expense Ratio (MER) represents the cost associated with owning a fund or ETF. The MER indicates how much a fund or ETF pays in management fees and operating expenses (including taxes) on an annual basis. MERs are generally expressed as a percentage and while this is not charged to you as a separate line item, the MER reduces the returns that you would see as an investor. Please consult our [Investment approach page](/personalized-portfolios/), ETF section, for additional details about the MERs of the products we offer. **Referral Fees**: If you were referred to Nest Wealth by your financial professional (“Referrer”), referral fees may be deducted and paid by Nest Wealth to the Referrer. You will receive information about these fees in the disclosure of referral arrangement documents provided to you during the account opening process. **Administrative fees**: Our custodians may charge fees for certain activities and services related to the administration of your accounts. Information about these fees is provided by our custodians through the account opening package which may be delivered to you digitally through our platform or through physical mail to your address on file. - [View as bar](#tab-1741358179-1-769) - [View as cards](#tab-1741358309842-2-104) - [View as table](#tab-1741358179-2-47) You know in advance how much our fee is: it only depends on the value of your portfolio. [![Nest Wealth fees for Direct clients](https://nestwealth.com/wp-content/uploads/2025/03/monthly-fees.svg) ](/pricing) [![Nest Wealth fees for Direct clients](https://nestwealth.com/wp-content/uploads/2025/03/investors-fees-bar-mobile.svg) ](/pricing) **The average portfolio Management Expense Ratios (MERs) are 0.13%.** Management Expenses are not charged by us, but indirectly by underlying [fund companies](/invest-with-personalized-portfolios/#etf-companies), and impact the returns you see as an investor. ## Fixed monthly fees You know in advance how much is our fee: it depends only on the portfolio value bracket. under **$10k** $5 $10k to under **$75k** $25 a month $75k to under **$150k** $50 a month $150k to under **$325k** $100 a month **$325k** and above $150 a month **The average portfolio Management Expense Ratios (MERs) are 0.13%.** Management Expenses are not charged by us, but indirectly by underlying [fund companies](/learn/#fund-companies), and impact the returns you see as an investor. [/vc_column][/vc_row_inner] ## Fixed monthly fees You know in advance how much is our fee: it depends only on the portfolio value bracket. [![](https://nestwealth.com/wp-content/uploads/2025/01/investor-fees.webp "investor-fees - Nest Wealth | More value, lower fees")](https://nestwealth.com/wp-content/uploads/2025/01/investor-fees.webp) **Categories:** NWAM-2025 --- ### [Investment Solutions for Individual Investors & Financial Business](https://nestwealth.com/investment-solutions-individual-investors-financial-professionals/) **Published:** February 25, 2025 **Author:** Leonardo Aloi **Excerpt:** Discover compliant, digital investment solutions for individual investors and financial professionals. Personalized portfolios built for the Canadian market. **Content:** **Nest Wealth Direct** # Simplified Wealth Management for individual investors Enjoy one of the lowest portfolio management fees in Canada and create your portfolio in minutes [Discover “Direct”](/simplified-wealth-management-for-individual-investors/ "Individual Investors - Nest Wealth Direct") ![Nest Wealth Direct - for Individual Investors](https://nestwealth.com/wp-content/uploads/2025/03/Nw_Direct-trimmed.webp "Nest Wealth Direct UI - Nest Wealth | More value, lower fees") [](/simplified-wealth-management-for-individual-investors/ "Nest Wealth Direct - for Individual Investors") **Nest Wealth Plus** # Empower your financial business Your All-In-One Digital Wealth Management Solution your clients will understand [Discover “Plus”](/empower-your-financial-business-with-our-digital-wealth-management-solution/ "Nest Wealth Plus – for Financial Professionals") ![Nest Wealth Plus - for Financial Professionals](https://nestwealth.com/wp-content/uploads/2025/03/Nw_Plus-trimmed.webp "Nest Wealth Plus UI - Nest Wealth | More value, lower fees") [](https://nestwealth.com/empower-your-financial-business-with-our-digital-wealth-management-solution/ "Nest Wealth Plus - for Financial Professionals") Create your Portfolio now! [GET STARTED](https://join.nestwealth.com/?cta=join_form) Try Nest Wealth Plus now! [REQUEST DEMO](/request-demo/) **Categories:** NWAM-2025 --- ### [Thank you for getting in touch](https://nestwealth.com/thanks/) **Published:** October 29, 2024 **Author:** Leonardo Aloi **Excerpt:** Thank you for getting in touch with us! **Content:** # Thank you for getting in touch with us! We have generated a support case for your inquiry: you will receive an email with the case number and further details from our Nest Wealth Client Support team. [](/ "Home Page") **Categories:** NWAM-2025 --- ### [Terms & Conditions](https://nestwealth.com/terms-conditions/) **Published:** October 10, 2023 **Author:** Lorenzo Noventa **Excerpt:** Terms & Conditions. **Content:** # Terms and Conditions Version 2.0, October 10, 2023 When you access our website at [nestwealth.com](https://nestwealth.com/) (“our website” (which includes our blog), or “Nest Wealth”) as a User, you’re agreeing to be bound by the following Terms of Use, and, if you’ve elected to become a Client, our [Client Agreement](https://nestwealth.com/investment-management-agreement/). For the purpose of this agreement a User is an individual who uses our website to evaluate our service, or for educational purposes and a Client is an individual who signs our Client Agreement that entitles the Client to have her or his investment portfolio managed by Nest Wealth. This Agreement, as well as the [Privacy Policy](https://nestwealth.com/privacy-policy) applies to both Users and Clients. If you elect to become a Client, you will be subject to these Terms of Use, our Client Agreement, our Privacy Policy and any additional terms to which you agree when you create and fund an investment account. #### Your Access In order to access certain features of Nest Wealth, you must register to create an account (“User Account”). When you register, you will be asked to provide you email address and eventually asked to choose a password, which you will be required to use to access your User Account in the future. Nest Wealth has physical, electronic and procedural safeguards to guard Users’ and Clients’ non-public personal information (see Privacy Policy). You are responsible for safeguarding your password and other User Account information. You agree not to disclose your password to any third party and you will notify Nest Wealth immediately if your password is lost or stolen or if you suspect any unauthorized use of your User Account. As a User you agree that you shall be solely responsible for any activities or actions under your User Account, whether or not you have authorized such activities or actions. You agree that the information you provide to us on account registration through our will be true, accurate, current, and complete. #### Alerts, Notifications & Service Communications By creating a User Account, you automatically sign up for various types of alerts via e-mail and mobile notification We never include your password in these communications, but we may include your name, or email address and information about your portfolio(s) if you are a Client. Anyone with access to your e-mail or mobile device will be able to view these alerts. You may unsubscribe from marketing oriented emails at any time. For a User who is not a Client You understand and acknowledge that the investment results you could obtain from investment information and financial insights provided by Nest Wealth cannot be guaranteed and that Nest Wealth cannot be held responsible. All investments entail a risk of loss and that you may lose money. Investment management services may be offered to individuals who become clients, at the sole discretion of Nest Wealth. Your election to engage our investment management services are subject to your acceptance of the separate Client Agreement and related fee schedule. You agree and understand that your use of Nest Wealth as a User is for educational purposes only and is not intended to provide legal, tax or financial planning advice. You agree as a User that you are responsible for your own investment research and investment decisions, that Nest Wealth is only one of many tools you may and that you should not and will not rely on Nest Wealth as the primary basis of your investment decisions and, except as otherwise provided for herein, Nest Wealth will not be liable for decisions/actions you take or authorize third parties to take on your behalf based on information you receive as a User of Nest Wealth or information you otherwise see on our website. #### Disclaimer Warranties Your use of Nest Wealth, and the personal information you provide is at your sole discretion and risk. Nest Wealth and all materials, information, products and services included therein, are provided on an AS IS and AS AVAILABLE basis without warranties of any kind from Nest Wealth. NEST WEALTH EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY, RELATING TO NEST WEALTH, CONTENT AND/OR USER INFORMATION. NEST WEALTH DISCLAIMS ANY WARRANTIES, EXPRESS OR IMPLIED: REGARDING THE AVAILABILITY, SECURITY, ACCURACY, RELIABILITY, TIMELINESS AND PERFORMANCE OF NEST WEALTH, CONTENT AND/OR USER INFORMATION; THAT NEST WEALTH WILL BE ERROR-FREE OR THAT ANY ERRORS WILL BE CORRECTED; THAT NEST WEALTH WILL BE FREE FROM ELECTRONIC VIRUSES; OR REGARDING THE PERFORMANCE OF OR ACCURACY, QUALITY, CURRENCY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION PROVIDED BY NEST WEALTH INCLUDING BUT NOT LIMITED TO INFORMATION OBTAINED THROUGH SOCIAL MEDIA. No advice or information, whether oral or written, obtained by you from Nest Wealth, shall create any warranty not expressly stated in this Agreement. If you choose to rely on such information, you do so solely at your own risk. #### Limitation of Liability IN NO EVENT SHALL NEST WEALTH OR ANY OF ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU FOR ANY DAMAGES WHATSOEVER, INCLUDING WITHOUT LIMITATION INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF NEST WEALTH, CONTENT AND/OR USER INFORMATION, INCLUDING BUT NOT LIMITED TO THE QUALITY, ACCURACY, OR UTILITY OF THE INFORMATION PROVIDED AS PART OF OR THROUGH NEST WEALTH OR FOR ANY INVESTMENT DECISIONS MADE ON THE BASIS OF SUCH INFORMATION, WHETHER THE DAMAGES ARE FORESEEABLE AND WHETHER OR NOT NEST WEALTH HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. You may request termination of your User Account at any time and for any reason by sending an email to **support@nestwealth.com.** We may terminate or suspend your access to Nest Wealth, in our sole discretion, at any time for any reason without notice to you. Further, if we believe, in our sole discretion, that a violation of these Terms of Use has occurred, we may take any other corrective action we deem appropriate. We reserve the right to investigate suspected violations of these Terms of Use. We may seek to gather information from a user who is suspected of violating these Terms of Use (or from any other user) and you agree to provide us with such information. We will fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity of anyone posting, publishing, or otherwise making available any User information, emails, or other materials that are believed to violate these Terms of Use. Any suspension, termination, or cancellation shall not affect your obligations to Nest Wealth under these Terms of Use (including but not limited to ownership, indemnification, and limitation of liability), which by their sense and context are intended to survive such suspension, termination, or cancellation. You agree you will: - Comply with all applicable laws, including, without limitation, privacy laws, intellectual property laws, anti-spam laws, export control laws, tax laws, and regulatory requirements; - Provide accurate information to us, whether reported directly or through a third party who you authorize, and keep it updated; - Use the services solely for your personal, non-commercial use; - Use your real name on your profile and keep your password confidential; - Use the Services in a professional manner You agree you won’t: - Circumvent, disable, or otherwise interfere with security-related features of Nest Wealth or features that prevent or restrict use or copying of any content or User information; - Upload, email, transmit, provide, or otherwise make available: - any User information which you do not have the lawful right to use, copy, transmit, display, or make or by providing to Nest Wealth would violate any confidentiality or fiduciary obligations that you might have with respect to the User information; or - any User information that infringes the intellectual property rights of, or violates the privacy rights of, any third-party ; or - unsolicited or unauthorized advertising, promotional materials or any other form of solicitation; or - any personal information that is objectionable in the sole discretion of Nest Wealth; or - any personal information that contains software viruses or any other computer code, files, or programs designed to (i) interrupt, destroy, or limit the functionality of any computer software; or (ii) interfere with the access of any user, host or network, including without limitation overloading, flooding, spamming, mail-bombing, or sending a virus to Nest Wealth; or - any personal information that includes code that is hidden or otherwise surreptitiously contained within the User information; - Use any meta tags or other hidden text or metadata utilizing a Nest Wealth name, trademark, URL or product name; - Forge any TCP/IP packet header or any part of the header information in any posting, or in any way use Nest Wealth to send altered, deceptive, or false source- identifying information; - Interfere with or disrupt (or attempt to interfere with or disrupt) any Nest Wealth web page, server, or network, or the technical delivery systems of Nest Wealth’s providers, or disobey any requirements, procedures, policies, or regulations of networks connected to Nest Wealth. - Attempt to probe, scan, or test the vulnerability of any Nest Wealth system or network or breach or impair or circumvent any security or authentication measures protecting Nest Wealth; - Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software used to provide Nest Wealth; - Attempt to access, search, or meta-search Nest Wealth or content thereon with any engine, software, tool, agent, device, or mechanism other than software and/or search agents provided by Nest Wealth or other generally available third- party web browsers, including without limitation any software that sends queries to Nest Wealth to determine how a website or web page ranks; - End client acknowledges that any deposit, withdrawal, trading or other instructions provided electronically through the/this system will be treated as fully-executable signed instructions. - End client acknowledges that login credentials provided are for their own use only, agrees to treat them as confidential and not allow any other person, business or system to use them to log in to the Nest system. End client further agrees to immediately notify Nest/Fidelity should they become aware of any actual or suspected unauthorized use of their login credentials - Violate the terms of service or any other rule or agreement applicable to you or Nest Wealth’s inclusion in, reference to, or relationship with any third party or third-party site or service, or your use of any such third-party site or service; - Collect or store personal information about other users without their express permission; - Impersonate or misrepresent your affiliation with any person or entity, through pretexting or some other form of social engineering, or commit fraud; - Solicit any User for any investment or other commercial or promotional transaction; - Violate any applicable law, regulation, or ordinance; - Scrape or copy information through any means (including crawlers, browser plugins and add-ons, and any other technology or manual work); - Use, launch, or permit to be used any automated system, including without limitation “robots,” “crawlers,” or “spiders”; or - Copy or use the information, content or data on Nest Wealth in connection with a competitive service (as determined by Nest Wealth); - Monitor Nest Wealth’s availability, performance or functionality for any competitive purposes - Use Nest Wealth or content thereon in any manner not permitted by these Terms of Use **Copyrighted Materials:** No Unauthorized Use. If you become aware of misuse of Nest Wealth or content thereon by any person, please contact Nest Wealth to report any abuse. Nest Wealth has adopted and implemented a policy that provides for the termination of Accounts of users who infringe the rights of copyright holders. In the event that any provision in these Terms of Use is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect. The failure of a party to enforce any right or provision of these Terms of Use will not be deemed a waiver of such right or provision. You may not assign this Agreement (by operation of law or otherwise) without the prior written consent of Nest Wealth, and any prohibited assignment will be null and void. Nest Wealth may assign this Agreement or any rights hereunder without your consent. The relationship of the parties under these Terms of Use is that of independent contractors, and these Terms of Use will not be construed to imply that either party is the agent, employee, or joint venture of the other. We reserve the right to change this Agreement by posting a revised Terms of Use and we agree that changes cannot be retroactive. If you don’t agree with these changes, you must stop using Nest Wealth. You agree the only way to provide us legal notice is at the address provided in Section in this agreement. Nest Wealth is only available for use in Canada. We make no representation that Nest Wealth is appropriate or available for use outside Canada. Similarly, we make no representations that accessing Nest Wealth from locations outside Canada is legal or permissible by local law. If you access Nest Wealth from areas outside Canada, you do so at your own risk and are yourself responsible for compliance with local laws. This Agreement is the entire agreement between you and us with respect to Nest Wealth, and your use of our website, and supersedes all prior or contemporaneous communications and proposals (whether oral, written or electronic) between you and us. If any provision of this Agreement is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that this Agreement will otherwise remain in full force and effect. The failure of either party to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder. You understand and agree that we act as an investment adviser for Clients and will continue to do so. We and our personnel may make recommendations and take action for Clients that may differ from the recommendations we give to you or the action we take on your behalf. In addition, our personnel may take actions for their own accounts based on their own investment situations that differ from the recommendations we give you or actions we take on your behalf. You agree that these Terms of Use and the rules, restrictions, and policies contained herein, and Nest Wealth’s enforcement thereof, are not intended to confer and do not confer any rights or remedies on any person other than you and Nest Wealth. These Terms of Use together with the Nest Wealth’s Privacy Policy and Client Agreement (if applicable) constitute the entire agreement between Nest Wealth and you with respect to the subject matter hereof. Any notice or other communication to be given hereunder will be in writing and given by (a) Nest Wealth via email (in each case to the address that you provide), or (b) you via email to **support@nestwealth.com** or to such other addresses as Nest Wealth may specify in writing. The date of receipt shall be deemed the date on which such notice is transmitted. Your feedback is welcome and encouraged. You may submit feedback by emailing us at **support@nestwealth.com**. You agree, however, that (i) by submitting unsolicited ideas to Nest Wealth or any of its employees or representatives, by any medium, including but not limited to email, written, or oral communication, you automatically forfeit your right to any intellectual property rights in such ideas; and (ii) such unsolicited ideas automatically become the property of Nest Wealth. You hereby assign and agree to assign all rights, title, and interest you have in such feedback and ideas to Nest Wealth together with all intellectual property rights therein. In addition, you warrant that all moral rights in any feedback have been waived, and you do hereby waive any such moral rights. This document constitutes Nest Wealth’s complete Terms of Use for Nest Wealth and related services. If you have questions about these Terms of Use or about Nest Wealth or content thereon, please contact Nest Wealth at **support@nestwealth.com** You can also contact Nest Wealth by phone at 647-725-2559 or via physical mail at: **Nest Wealth Inc.** 214 King St W Suite 510, Toronto, ON M5H 3S6 **Categories:** NWAM-2025 --- ### [Security](https://nestwealth.com/security/) **Published:** October 10, 2023 **Author:** Lorenzo Noventa **Excerpt:** Nest Wealth uses bank-level security measures to ensure your data is collected and stored safely. **Content:** # Security #### **How is your data kept safe?** We use bank-level security measures to ensure your data is collected and stored safely. We encrypt all communication between your browser and our servers, store all of your data on secure servers, and continuously test our processes and procedures to ensure your data is secure and safe. We protect your privacy. You can read about our [**cookie policy**](https://nestwealth.com/cookie-policy) and [**privacy policy**](https://nestwealth.com/privacy-policy) to understand how we collect and use your private information. #### **How are your accounts protected?** All client accounts are held at either National Bank Independent Network (“NBIN”) or **[Fidelity Clearing Canada](https://clearing.fidelity.ca/fcc/en/)** (“FCC”). NBIN is a subsidiary of National Bank Financial and FCC is a member company of the Fidelity group of companies, which combined have assets under management of $2 trillion. They are members of the Canadian Investor Protection Fund (CIPF), which covers each account up to $1,000,000 against insolvency or bankruptcy of the custodian. NBIN and FCC are members of Investment Industry Regulatory Organization of Canada (IIROC).\* #### **How else are my accounts protected?** Nest Wealth is also regulated by the [**Ontario Securities Commission (OSC)**](http://www.osc.gov.on.ca/). As a regulatory body, the OSC administers and enforces compliance with the provisions of the [**Securities Act (Ontario)**](http://www.e-laws.gov.on.ca/html/statutes/english/elaws_statutes_90s05_e.htm) and the [**Commodity Futures Act (Ontario)**](http://www.e-laws.gov.on.ca/html/statutes/english/elaws_statutes_90c20_e.htm). Specifically, the OSC works to protect investors and foster fair and efficient markets by making and monitoring compliance with rules governing the securities industry in Ontario. #### **How can I file a complaint?** You may be eligible for the independent dispute resolution service offered by the Ombudsman for [**Banking Services and Investments (OBSI)**](https://www.obsi.ca/home). To understand how to file a complaint with us, visit our [**file a complaint page**](/complaints). #### **What is Nest Wealth’s commitment to transparency?** We’re committed to transparency in all aspects of our work together – from how we’ve priced our service to how we disclose these fees on your statements. #### **Who can I speak to about my account protection and/or privacy?** If you have concerns about the protection of your account or you have questions, please feel free to contact us at questions@nestwealth.com. *\*FCC is an indirect, wholly-owned subsidiary of 483 Bay Street Holdings LP, which is a joint venture between FIL Limited and Fidelity Canada Investors LLC. FCC and two other separate related legal entities that are also Canadian securities registrants – Fidelity Investments Canada ULC and Fidelity (Canada) Asset Management ULC – conduct business under the “Fidelity Investments” brand, which is a trademark of Fidelity Investments Canada ULC and a registered business name of FCC. However, each Canadian securities registrant operates and conducts its business independently of each other.* *Fidelity Clearing Canada ULC is a member of the Investment Industry Regulatory Organization of Canada (IIROC) and the Canadian Investor Protection Fund (CIPF).* **Categories:** Legal, NWAM-2025 --- ### [Relationship Disclosure](https://nestwealth.com/relationship-disclosure/) **Published:** October 10, 2023 **Author:** Lorenzo Noventa **Excerpt:** At Nest Wealth, we strive to serve your financial needs by providing you with access to investment advice that takes your personal objectives into account. **Content:** # Relationship Disclosure [View this document as PDF >](/wp-content/uploads/2025/05/Nest-Wealth-RDI-Final-May-2025-PDF.pdf)Version 3.0, May 5, 2025 At Nest Wealth, we strive to serve your financial needs by providing you with access to investment advice that takes your personal objectives into account. For this reason, we would like you to have a good understanding of: - Our products and the services we offer; - Your account(s) and how we operate client accounts; and - Our relationship with and responsibilities to you. To ensure you make the most of your experience with us and to foster a mutually successful relationship, we encourage you to: **Keep us Up to Date:** It is important that you provide us with complete and accurate information so we can properly advise. You should also promptly notify us of any change to your personal circumstances, such as a change to your income, employment, net worth, address or marital status. **Keep us Informed:** You should understand the potential risks and returns associated with investments and review the risks outlined in our Investment Management Agreement[. ](https://welcome.nestwealth.com/hubfs/2021-04-12%20-%20Nest%20Wealth%20Investment%20Management%20Agreement.pdf)Where appropriate, we encourage you to consult professionals, such as lawyers or accountants, for legal and/or tax advice that we cannot offer you as a portfolio manager. **Stay on Top of your Investments:** We encourage you to review all account documentation provided by us and our custodians, including account statements and other reports. **Ask us Questions:** If you have any questions related to the contents of this document or need to update any information we have on file for you, please contact us at [**support@nestwealth.com**](mailto:support@nestwealth.com). ### Section 1 — Nest Wealth Products & Services **Standard offerings:** Nest Wealth Asset Management Inc. (“Nest Wealth”) is registered as a Portfolio Manager (“PM”) in British Columbia, Alberta, Manitoba, Saskatchewan, Ontario, Quebec, Newfoundland & Labrador, New Brunswick, Nova Scotia, and Prince Edward Island. As a portfolio manager, we exclusively provide managed account services to Canadian investors. This means we have the discretion to invest, reinvest and maintain your account invested in a portfolio that is suitable for you, and must act in your best interests. The suitability of your account investments is based on the Information we collect about you through our digital platform and through our discussions with you. The information we collect at the time of account opening, and update on an annual basis or whenever there is a change, includes information regarding your personal and financial circumstances, investment needs and objectives, risk profile (tolerance and capacity), investment time horizon and investment knowledge (collectively, “KYC Information”) This information is then used to determine the suitability of any potential investment actions. In addition to the above noted KYC Information, we also collect (and require that you keep us updated on) information regarding whether you are an insider of a reporting issuer, along with other required information for the purposes of our anti-money laundering and foreign tax reporting obligations. **Other services:** Our related entity, Objectway Financial Solutions Inc., offers digital solutions to financial advisors and other industry participants to help improve the quality of advice and other service offerings in our industry. This includes digital solutions related to financial planning and investment advice. **New services:** You can learn about new services by visiting our website, [**www.nestwealth.com** ](https://nestwealth.com/)or through information included in email communications that we may send from time to time. For a full list of products and services, and the relevant commissions and fees, please contact us, visit our website at [**www.nestwealth.com**](https://nestwealth.com/), or refer to our Client Investment Management Agreement and other account opening documentation provided by our custodians. and other account opening documentation provided by our custodians. **Location Restrictions:** As a Portfolio Manager (PM) registered with provincial authorities in Canada, we may be unable to offer you advisory services if you do not permanently reside in Canada. In some cases, there may also be adverse tax consequences to investing with a Canadian-based asset manager while residing in another country. Restrictions vary by jurisdiction. If you are a non-resident, we strongly encourage you to consult with an accountant or tax specialist prior to initiating a new account application with us. **Product Restrictions:** You should be aware of the following restrictions which pertain to our offering: - We do not purchase or hold mutual funds with deferred sales charges (DSC). - You cannot invest in securities outside of the investment solutions we have selected to use in our model portfolios, which are discussed in more detail on our website. - We do not accept in-kind transfers, nor can we advise you on securities that you may hold externally with another institution or advisor (“legacy securities”). - As a discretionary portfolio manager, Nest Wealth is not obliged to act on client investment instructions or accept client-directed trades. Please refer to Section 2 for more information on how we operate our managed accounts. ### Section 2 — Understanding Managed Accounts **Managed Account:** Your account is managed by members of Nest Wealth’s portfolio management team that are registered with provincial securities commissions. Our advising representatives have an obligation to assess whether any investment action is suitable for you. To assess suitability, our representatives rely on the KYC Information collected about you through our digital solution as well as through ongoing discussions with you. In addition, we have an obligation to “know” and understand each investment we purchase for your account. This process is known as the “know your product” (KYP) policy and requires that we analyze factors including, but not limited to, the structure, features, risks, initial and ongoing costs associated with the investment, as well the impact of those costs, the reputation and track record of the investment product and/or its manager, the potential for profit and loss, potential conflicts of interest, the investment’s time horizon and the concentration of investments in your account. Our risk profile questionnaire (RPQ) and digital onboarding is meant to let us understand your investment needs and objectives, investment time horizon, investment knowledge, risk profile (tolerance and capacity) and other relevant personal and financial circumstances. **Investment Methodology:** Our model portfolios consist of Exchange Traded Fund (ETF) model portfolios. Based on your risk score, we invest you into an asset mix which our advising representatives believe to be suitable for you. Please refer to our website or further details about these investment alternatives and our investment process. **Personal Information Updates:** We rely on the information that we have on file about you to manage your portfolio and rely on you to keep us informed about big changes in your life so we can properly advise you. By signing our investment management agreement prior to opening an account with us, you agree to update your account information when material changes happen in your life such as a change of employment, change of address, change in income, or any other change that might change the information on the risk profile that we have on file for you. As a PM offering managed accounts, we are required to confirm and/or update your applicable KYC Information on an annual basis. If you have any questions about updating your portfolio or risk profile, please contact us at [**investors@nestwealth.com**](mailto:investors@nestwealth.com). **Digital Advice vs. Traditional Advice Models:** You understand that compared with traditional “in-person” advisory firms, person to person contact may be more limited through our service. To help keep you informed, we provide you with 24/7 access to your account online so you can review your account balances, transaction history, account statements, account performance, and other account related information. Of course, we understand that questions do arise and so we also encourage you to contact our support team if you have any questions or concerns. **Custodial Arrangements:** As a PM, Nest Wealth does not hold custody of your assets. When you open an account with us, your accounts are held by a custodian appointed by us and we manage the assets in that account. The custodians that we presently work with are referenced in the table below: ![Nest Wealth custodians adresses](https://nestwealth.com/wp-content/uploads/2025/05/custodians-adresses.png "custodians-adresses - Nest Wealth | More value, lower fees") The custodians we have selected are qualified Canadian custodians under applicable securities laws. Each Custodian is independent of Nest Wealth, is required to segregate client assets from its own assets and is subject to regulatory oversight, minimum capital and insurance requirements. The Custodian may hold securities on behalf of the client in its name or as nominee of the client. ### Section 3 — Risks To Consider **Investment Risk:** Which we assess your investment needs and objectives, personal and financial circumstances, investment time horizon, investment knowledge and risk profile to provide you with a recommended investment portfolio. It is important that you understand that if you invest with us, you are not guaranteed to see positive investment returns. At Nest Wealth, most of the investments we will make for you will be in ETF portfolios. ETFs fluctuate in value daily and will generally reflect changes in the value of the underlying investments which may fluctuate based on market events including but not limited to changes in interest rates, economic conditions, news and political events. There are risks associated with investing and the greatest risk to you as an investor is that you could lose all or part of your investment. **Leverage Risk:** Using borrowed money to finance the purchase of securities involves greater risk than using cash resources only. If you borrow money to purchase securities, you are responsible for the repayment of any loans you take and pay interest on any borrowed amounts even if the value of the securities that you purchase declines. We do not recommend using short-term debts such as lines of credit or credit cards to invest with us. **Custodian Risk:** Our custodians are qualified custodians under applicable securities laws. Each custodian is independent of Nest Wealth, is required to segregate client assets from its own assets and is subject to regulatory oversight, minimum capital and insurance requirements. Client assets are subject to risk of loss if: (i) if the Custodian becomes bankrupt or insolvent; (ii) if there is a breakdown in the Custodian’s information technology systems; or (iii) due to the fraud, willful or reckless misconduct, negligence or error of the Custodian or its personnel. On an ongoing basis, we assess our custodians’ relevant internal controls and ability to deliver custodial services effectively. Through these reviews, we aim to ensure that the custodians’ system of controls and supervision is sufficient to manage risks of loss to our clients in accordance with prudent business practice. **Interest Rate Risk:** When investing in fixed income securities or securities that are highly impacted by interest rates, there is a risk that changes in interest rates will have an impact on the value of those securities. **Concentration Risk:** Concentration risk exists when security holdings are focused on a particular issuer, group of issuers, industry, sector, country or region and may result in increased volatility and a greater risk of financial loss than if security holdings are more diversified. **Currency Risk:** When investing in securities denominated in currencies other than the Canadian dollar, such investments may be impacted by changes in the value of the Canadian dollar in relation to the value of the currency in which the security is denominated. **Other Risks:** Please refer to our Investment Management Agreement for a complete list of other risks that you should be aware of as an investor using our services. ### Section 4 — Account Fees **Portfolio Management Fees:** We offer various pricing solutions for different investor types, including those that are already working with a financial advisor when referred to our platform. We provide more information about these fees on our website and through the pricing section of our investment management agreement. **Management Expense Ratio (MER):** A Management Expense Ratio (MER) represents the cost associated with owning a fund or ETF. The MER indicates how much a fund or ETF pays in management fees and operating expenses (including taxes) on an annual basis. MERs are generally expressed as a percentage and while this is not charged to you as a separate line item, the MER reduces the returns that you would see as an investor. These fees are charged within the applicable fund or ETF and are not directly charged to your account but will impact the reported return of the fund or ETF. Please consult our ETF page for additional details about the MERs of the products we offer. **Referral Fees:** If you were referred to Nest Wealth by your financial professional (“Referrer”), referral fees may be deducted and paid by Nest Wealth to the Referrer. You will receive information about these fees in the disclosure and acknowledgement of referral arrangement documents provided to you during the account opening process which, among other things, will detail the method of calculating the referral fee and to the extent possible, the amount of the fee. **Administrative Fees:** Our custodians may charge fees for certain activities and services related to the administration of your accounts. Information about these fees is provided by our custodians through the account opening package which may be delivered to you digitally through our platform or through physical mail to your address on file. Ongoing fees can reduce the value of your investment portfolio. This is particularly true over time, because not only is your investment balance reduced by the fee, but you also lose any return you would have earned on that fee. Over time, even ongoing fees that are small can have an impact on the value of your investment portfolio. Nest Wealth will provide 60 days’ notice prior to any change in or introduction of new fees impacting your account. ### Section 5 — Conflicts Of Interest As a portfolio manager, we have a fiduciary responsibility to act with care, honestly, in good faith, and always in the best interests of our clients. **Conflicts of Interest:** A conflict of interest includes any circumstance where Nest Wealth or an employee of Nest Wealth has an interest that may conflict with the interests of a client or the ability of Nest Wealth or one of its employees to deal with clients fairly in a manner consistent with the best interests of the client. We have adopted policies and procedures to help us identify and manage conflicts of interest that may exist as part of our relationship and provide you with more information about these potential or actual conflicts below. We will try to avoid conflicts where possible, and in all other cases disclose the conflict, and/or manage it through our policies and procedures. Conflicts deemed too significant to be addressed through controls or disclosures will be avoided. Disclosures will be made in a timely and meaningful manner. **Management of Conflicts of Interest:** The way in which we deal with different conflicts of interest will differ depending on the extent and severity of a specific conflict: - - **Avoidance:** This includes avoiding conflicts that are prohibited by law, as well as conflicts that cannot effectively be addressed in a client’s best interest. - **Management:** We manage acceptable conflicts through means such as by implementing specific procedures and solutions - **Disclosure:** For certain conflicts, we will provide you with meaningful information about the conflict so you can assess its significance and make a well-informed decision. We note that disclosure alone is not sufficient to manage a material conflict of interest and as such, will additionally manage or avoid any material conflict of interest to ensure we are always acting in the clients’ best interests. **Possible Conflicts:** Below, we outline potential or actual conflicts of interest that may arise as part of our relationship with you and details about how we address them. **Potential Conflict of Interest** **Addressed By****Risk to Client****How Nest Wealth Manages the Potential Conflict of Interest****Conflicts Arising from Proprietary Products**It is an inherent conflict of interest to recommend or purchase securities of issuers that are related, connected to or managed by the firm, to clients of the firm. AvoidanceIf this conflict of interest is not managed properly, this conflict may result in clients being placed in proprietary products that are less suitable or have inferior performance or other characteristics when compared to other potential alternatives, due to the financial benefit to Nest Wealth and/or its related entities.Nest Wealth manages this conflict of interest through avoidance as it does not utilize proprietary products.**Conflicts arising from Related Offerings**It is an inherent conflict of interest to recommend the use of additional services offered by Nest Wealth or an affiliated entity. AvoidanceIf this conflict of interest is not managed properly, there is a risk that the client may be referred to or may be recommended services from a related entity that are not suitable or in the client’s best interest.Nest Wealth manages this conflict through avoidance as neither Nest Wealth, nor any affiliated entities, offer additional services to clients of the firm.**Conflicts arising from internal compensation arrangements and incentive practices**While motivating registered individuals and firms to generate revenue or grow assets is normal practice, some compensation practices can result in behaviour that is not in the best interest of clients as a result of incentives to add clients, or assets or revenue generated from clients. Control and DisclosureIf this conflict of interest is not managed properly, registered individuals may be financially incentivized to place their interests ahead of the clients and may make decisions for personal financial reasons rather than based on client suitability.Nest Wealth addresses this conflict through controls and disclosure. Nest Wealth registered individuals are required to only provide services and make investments that are suitable for the applicable client and are subject to oversight by the firm’s compliance department.**Conflicts of interest at supervisory level**If Nest Wealth’s compliance or supervisory staff’s compensation is tied to sales or revenue generation of the firm overall, there is an inherent conflict of interest to put their interests ahead of clients’ interests. AvoidanceIf this conflict of interest is not managed properly, supervisory personnel may be financially incentivized to place their interests ahead of the clients and may not provide proper oversight or supervision.Nest Wealth avoids this by not having supervisory staff with compensation tied to sales or revenue generation and does not assign sales or revenue targets to staff who have compliance or supervisory roles.**Conflicts arising from third-party compensation**Nest Wealth may receive trailing commissions from third party mutual fund companies. Control and DisclosureIf this conflict of interest is not managed properly, clients may be paying duplicate fees due to the structure of certain products and/or Nest Wealth may be incentivized to select products that include third party compensation. Nest Wealth manages this conflict by not charging duplicate management fees and through its suitability obligations to ensure that only suitable investments are made for clients.**Conflicts in fee-based accounts**Nest Wealth offers only fee-based accounts for its portfolio management clients. Control and DisclosureIf this conflict of interest is not managed properly, clients may be unsure of their fee arrangement with Nest Wealth and there may be confusion as to which services are included in the fees they pay.Nest Wealth discloses all fees and charges at the time of account opening. Nest Wealth also provides an annual report on fees and operating charges paid each calendar year.**Differing fee arrangements**Where a client is charged more than other clients for the same or substantially similar products or services, potential conflicts of interest may arise. Control and DisclosureIf this conflict of interest is not managed properly, clients may not be aware of the opportunity to negotiate management fees and certain clients may receive the same services for a lower fee, without the knowledge of clients that there are different fee schedules or certain criteria leading to different fee schedules. Additionally, if this conflict is not appropriately managed, Nest Wealth may give preferential treatment to higher fee-paying clients.Nest Wealth manages this conflict as it has established a standardized fee schedule to ensure clients are treated fairly, honestly, and in good faith. Fees may vary from this schedule in certain circumstances due to certain client accounts being subject to employee/family discounts, referral arrangements or other circumstances such as the level and complexity of the services to be provided to the client.**Addressing conflicts between clients (fair allocation of investment opportunities)**There can be competing interests among clients, and a registrant may have difficulty trying to address these conflicts in the best interest of all their clients simultaneously. Control and DisclosureIf this conflict of interest is not managed properly, certain clients may receive preferential treatment and better access to certain investments or investment opportunities with limited availability.Nest Wealth manages this conflict by implementing a fair allocation of investment opportunities policy which is disclosed to clients. **Purchasing assets from clients outside of the normal course of business**The purchase of an asset from a client outside of the normal course of business may create a material conflict of interest. AvoidanceIf this conflict of interest is not managed, there may be potential situations in which an employee of Nest Wealth breaches its fiduciary duty by participating in a transaction with a client outside of the ordinary course of business, or the client may reflect negatively on the transaction. Nest Wealth prohibits engaging in transactions with clients outside of the ordinary course of business.**Conflicts related to referral arrangements**Nest Wealth may enter into referral arrangements whereby it receives referred clients and pays ongoing referral fees to referral parties who have written referral agreements with Nest Wealth. Control and DisclosureIf this conflict of interest is not managed properly, referred clients may be unaware of the compensation received in respect of their account or may be charged additional fees to account for the referral fee paid by Nest Wealth.Nest Wealth manages this conflict as it has policies and procedures related to entering into referral arrangements with third parties and providing referral specific disclosure to clients. Nest Wealth’s portfolio management fee does not vary between referral arrangements to ensure that all clients are treated equally, irrespective of whether they are a referred client or not. Clients receive disclosure at the time of account opening which outlines the nature of the relationship and the amount of referral fee paid or received and must consent to the payment of such fees, prior to any payment to the referral party. Nest Wealth may provide referral parties with access to or discounted use of certain financial planning software offered by Objectway Financial Solutions Inc., a related entity of Nest Wealth, based on the total assets that have been referred by such referral party. Nest Wealth manages this conflict of interest by ensuring that any services it provides to such referred clients are suitable and in the best interests of the client, irrespective of the origination of such client. **Full control or authority over the financial affairs of a client**Having full control or authority over the financial affairs of a client in an inherent conflict of interest. AvoidanceIf this conflict of interest is not managed properly, an employee of Nest Wealth may be in a position to appoint themselves or ensure they continue to manage the client’s assets without any independent oversight. Nest Wealth avoids this conflict by declining any appointments.**Individuals who serve on the board of public companies**Material conflicts of interest arise if an individual acts as a director of a non-affiliated firm or acts as a director of a reporting issuer. Materiality is determined on a case-by-case basis. Control and DisclosureIf this conflict of interest is not managed properly, employees of Nest Wealth may be put in a position where they are conflicted in their duties to act in the best interest of clients/the firm by virtue of their duty to the other registrant firm or publicly listed company. Additionally, they may become aware of material non-public information and be unable to advise on certain securities and/or may be viewed as acting on a conflict of interest in buying certain securities on behalf of clients. Nest Wealth manages this conflict as all outside activities or relationships, such as directorships or trusteeships of any kind, or paid or unpaid roles with charitable organizations, must be approved, in advance, by Nest Wealth’s Chief Compliance Officer (CCO). Nest Wealth maintains policies and procedures to ensure that registrants do not act upon any material non-public information and appropriate safeguards are put in place to prevent improper trading in those impacted securities. **Individuals who have outside activities** Material conflicts of interest arise if an individual engages in activities outside of their employment with the firm, including other business ventures or volunteer positions. Control and DisclosureA conflict of interest may arise as a result of a Nest Wealth registrant’s outside activities (OA). A conflict may arise from activities due to time commitment, their position or any compensation received. The OA may hinder their ability to perform their duties, may give rise to confusion as to which entity the individual is representing or the employee may be in a position of influence. Nest Wealth controls this as registrants must disclose all outside activities on an ongoing basis. A monthly reminder is also circulated to registrants. All outside activities are reviewed with the Chief Compliance Officer (CCO) to confirm if a conflict of interest exists and where applicable implement controls to deal with the conflict of interest. Employees provide an annual attestation. **Trade Execution – best execution** When placing orders for and on behalf of clients’ accounts, Nest Wealth has an obligation to obtain best execution of trades for client accounts. AvoidanceIf this conflict of interest is not managed properly, clients may end up paying excessive or higher than normal trade costs.Nest Wealth avoids any best execution conflicts it trades exclusively through its custodians. Nest Wealth reviews the best execution policy and materials provided by the custodians annually to ensure the custodians are providing satisfactory services and meeting its best execution obligations. **Use of client brokerage commissions – soft dollar arrangements**When placing orders for and on behalf of clients’ accounts, firms may receive “soft dollars” as a result of selecting a particular broker for their transactions. AvoidanceIf this conflict of interest is not managed properly, Nest Wealth may be incentivized to utilize certain brokers for trades due to the benefits that the firm receives, and such brokers may charge higher fees or provide lower quality broker services than other available brokers. Nest Wealth avoids any soft dollar conflicts as it does not enter into any soft dollar arrangements. **Cross Trades**Where securities are purchased for the account of a responsible person or client at a time when another account of a responsible person or client is a seller of such securities, it is an inherent conflict of interest because of the potential benefit to the account of a responsible person or other client, potentially at the expense of another firm client. AvoidanceIf this conflict of interest is not managed properly, Nest Wealth or its representatives may execute trades for the benefit or themselves or other clients to the detriment of another client or clients.Nest Wealth does not permit inter-account trades.**Trading and Pricing Errors**Nest Wealth may have a potential conflict of interest when determining when, and how, to deal with a client account error. The risk is that Nest Wealth may not to take steps to correct or otherwise address the error due to the cost or other implications to Nest Wealth. ControlIf this conflict of interest is not managed properly, clients may end up disadvantaged due to trading and pricing errors caused by the firm.Nest Wealth manages this by having its policy that in the event that there is a material trading or pricing error, the error will be corrected for the benefit of the client(s).**Valuation of portfolios As Nest Wealth’s revenue is based on a percentage of the market value of each client’s account, Nest Wealth may have a conflict of interest in those instances where Nest Wealth is responsible for valuing portfolio securities. The valuation of a client’s account will impact the fees earned by Nest Wealth and the performance reported to clients as well as marketed. ControlIf this conflict of interest is not managed properly, portfolio values may be inflated or marked improperly to create additional revenue as fees are charged as a percentage of assets under management.Nest Wealth has policies and procedures in place which involve valuation checks and balances including external pricing, valuation and reconciliation processes.**Employees/access persons could benefit from trading with knowledge of portfolio transactions for clients. (e.g. front running a trade)**Individuals may find themselves in situations where their personal interests are in conflict with those of a client. When individuals at Nest Wealth invest in the same securities as clients of Nest Wealth, there is a perceived or potential conflict of interest that such individuals at Nest Wealth may benefit from opportunities at the expense of Nest Wealth’s clients. Control and DisclosureIf this conflict of interest is not managed properly, employees of Nest Wealth may be trading ahead of clients and/or acting on information improperly for their own gain, which may be to the detriment of clients.Nest Wealth has policies and procedures in place which require pre-approval of all personal trades.**Using inside information for personal gain**Conflicts of interest arise when individuals have access to inside information and complete trades ahead of client orders for their personal benefit. Avoidance, Control and DisclosureIf this conflict of interest is not managed properly, employees of Nest Wealth may be trading ahead of clients and acting on information improperly for their own gain, which may be to the detriment of clients.Nest Wealth avoids the use of inside information conflict as it prohibits the use of material non-public information for personal gain. Nest Wealth manages the personal trading conflict as it requires pre-approval of all personal trades. **Tied Selling**It is an inherent conflict of interest where purchase of one service is conditional on buying another as well, which is prohibited by securities laws. AvoidanceIf this conflict of interest is not managed properly, clients may feel obligated to maintain their relationship with Nest Wealth or one of its related entities in order to continue receiving their desired services. Tied selling is prohibited by Nest Wealth.**Gifts and Entertainment**There may be instances wherein Nest Wealth’s individuals may give or accept gifts or business entertainment of more than minimal value in connection with Nest Wealth’s business and as such a perceived or potential conflict of interest could arise. ControlIf employees were to receive excessive gifts or entertainment they may be influenced to purchase or recommend products to clients that are not appropriate, suitable or in the clients’ best interests.Nest Wealth manages the gifts and entertainment conflict as its gifts and entertainment policy sets limits on the value of gifts and entertainment received by Nest Wealth personnel and the value of gifts and entertainment that Nest Wealth may provide to clients or prospects.**Marketing with misleading or inaccurate performance Nest Wealth has an interest in showing good performance to attract more clients which may conflict with Nest Wealth’s fiduciary responsibility to its clients and prospective clients to provide accurate performance reporting. ControlIf this conflict of interest is not managed properly, clients may be influenced to invest with or use Nest Wealth’s services based on improperly presented or misleading information.Nest Wealth controls this conflict as it has developed comprehensive policies and procedures for the review and approval of all marketing material.**Proxy Voting**There is a potential conflict of interest as there is the opportunity for Nest Wealth to vote securities or to agree to certain corporate actions in its own interest over the interests of clients. Control If this conflict of interest is not managed properly, clients’ securities may not be voted in the best interests of the clients or may not be voted at all, to the detriment of clients.Nest Wealth has policies and procedures in place with respect to proxy voting to ensure that if proxies are voted, it is done in the best interests of clients.**Complaints**There is a potential conflict of interest if a complaint is received and not responded to as it may adversely affect an individual or the firm. Control and DisclosureIf this conflict of interest is not managed properly, client complaints may not be appropriately addressed, and improper activity may not be properly remedied.Nest Wealth controls this conflict of interest through policies and procedures and makes disclosure to clients regarding such policies, as well as third party resources clients may pursue when making complaints. “Related” may be said to involve positions permitting, through ownership or otherwise, a controlling influence, and would include all companies under a common controlling influence. “Connected” may be said to involve a state of indebtedness to, or other relationship with, the registrant or those “related” to the registrant that, in connection with a distribution of securities, would be material to a purchaser of the securities. Currently, Nest Wealth has no related or connected issuers. In the event that relationships with “related” or “connected” issuers are established in the future, Nest Wealth will maintain a list of such issuers and will make such list available to its clients by posting the list on Nest Wealth’s website and keeping it updated. If a specific conflict with a “related” or “connected” issuer arises, Nest Wealth will provide affected clients with disclosure about the specific conflict with that issuer. Objectway Financial Solutions Inc. is a related entity of Nest Wealth which offers software-as-a-service (SaaS) to financial advisors and other industry participants to help improve the quality of advice and other service offerings in our industry. ### Section 6 — Client Reporting **Account Statements (Nest Wealth):** You will receive quarterly statements from us which outline the same detailed information as the custodian statements but presented on a quarterly basis. These statements are posted and made available to you through our client portal. Upon request, we will provide you with monthly statements. **Account Statements (Custodians):** You will receive account statements from our custodians monthly, or quarterly if no transactions are executed on a given quarter. These statements outline your account activity over a specific period of time such as purchases and sells of securities, contributions, withdrawals, dividends, interest, transfers, grant payments and any other transactions that may have occurred in the time period covered by the statement. These statements also list your current holdings and the net value of your portfolio. If your accounts are custodied with FCC, statements will be made available to you through our client portal. For clients with accounts custodied with NBIN, the custodian will mail physical copies to your address on file unless you enroll for digital delivery through NBIN’s [**MyPortfolio+** ](https://myportfolioplus.ca/login) service. **Annual Investment Performance Report:** The Annual Performance Report is designed to help you better understand how your investments are performing. It contains information about your personal rates of return net of any fees, and it also contains information about changes in the value of your accounts over a given calendar year and since the inception of your account. We generate this report on an annual basis during January and make this available to you in the client portal on the “Statements” section. **Annual Fees Disclosure Report:** The Annual Fee Disclosure Report is a summary of investment-related charges you have paid during the calendar year. Our report will summarize for you management fees, referral fees, and taxes on these fees charged to you during a given calendar year. We generate this report on an annual basis during January and make this available to you in the client portal on the “Statements” section. Our custodians will also make available to you their own Annual Fees Disclosure document which will outline other administrative fees that the custodian may charge from time to time for activities such as partial de-registrations of a registered account. Our custodians will make this report available to you on or about January of each year. **Tax Reporting:** Depending on your specific account types and/or investment activity for the year, our custodians will generate tax documentation. If your accounts are custodied with FCC, tax documentation will be made available to you through our client portal. For clients with accounts custodied with NBIN, the custodian will mail physical copies to your address on file unless you enroll for digital delivery through NBIN’s MyPortfolio+ service. ### Section 7 — Complaint Handling Process **Step 1: Client Experience:** We manage large volumes of client inquiries on most days, and our support team strives to provide you with the best possible client experience. If you have issues or concerns that you would like us to investigate further, please contact our support team at [**support@nestwealth.com**](mailto:support@nestwealth.com). **Step 2: Director of Customer Success:** If our support team is unable to resolve your concerns or if you feel that your concerns have not been addressed or resolved to your satisfaction, please contact our Customer Success Director at [**support@nestwealth.com**](mailto:support@nestwealth.com) subject line “Attention Director of Customer Success” so we can learn more about your issue and try to find a resolution. **Step 3: Compliance Department:** If you are unable to resolve your concerns with our support team or with the Director of Customer Success, you can send your concerns in writing to the Compliance team at [**compliance@nestwealth.com**](mailto:compliance@nestwealth.com). In each case above, where a complaint is made, we will send you an acknowledgement of receipt within five business days of receiving your complaint. In this acknowledgement, we may request additional information to investigate your complaint. We will provide you with a substantive response within ninety (90) calendar days of receiving your complaint. If we are unable to respond to your complaint within the above time frame, you will be provided with a written explanation for the delay and an estimate of when a full response is expected to be sent to you. In the decision letter, we will provide you with a summary of your complaint, the results of the investigation, an explanation of the final decision, and other options you may have for seeking compensation if you are not satisfied with the response. **Step 4: Ombudsman for Banking Services (OBSI):** If our firm is unable to help you resolve your concerns, clients have the option to escalate their concerns to the Ombudsman for Banking Services and Investments (“OBSI”). OBSI is an independent dispute resolutions service that is available to you at no cost. More information about this process can be found in the OBSI’s services brochure provided at the time of account opening and upon receipt of a complaint. ### Section 8 – Trusted Contact Person & Temporary Holds At the time of account opening and periodically thereafter, Nest Wealth will ask you to designate a trusted contact person (“TCP”). By designating a TCP, you authorize Nest Wealth to contact the TCP and disclose information regarding your investments to your TCP in the following circumstances: - possible financial exploitation of yourself; - concerns about your mental capacity as it relates to your financial decision making or lack of decision-making; - the name and contact information of any of the following: - a legal guardian of yourself, - an executor of an estate under which you are a beneficiary; - a trustee of a trust under which you are a beneficiary, or - any other personal or legal representative of yourself; or - your current contact information. In certain circumstances, Nest Wealth may place a temporary hold on your investments. A temporary hold means a hold that is placed by Nest Wealth on the purchase or sale of a security on your behalf or on the withdrawal or transfer of cash or securities from your account. Nest Wealth will not place a temporary hold on your accounts unless we reasonably believe that: - you are a vulnerable client; - you have been financially exploited, financial exploitation is occurring, has been attempted or will be attempted; or - we reasonably believe that you do not have the mental capacity to make decisions involving financial matters. Should a temporary hold be placed on your accounts we will provide you notice of the temporary hold and the reasons for the temporary hold as soon as possible. We will continue to review the relevant facts on an ongoing basis to determine if continuing the hold is appropriate. Within 30 days of placing the temporary hold and, until the hold is revoked, we will update you on a monthly basis to inform you if we have revoked the temporary hold or provide you with notice of our decision to continue the hold, and the reasons for that decision. ### Section 9 – Fair Allocation Policy In some cases, where it is practical and possible, orders for portfolios of the same security are grouped and entered as a block order. Each account receives its pro rata share and the same blended price of each fill wherever practicable. Partial fills are allocated equitably on a pro-rata basis across all accounts for the asset class except on the rare occasion that minimum transaction charges will make this uneconomic for the client (i.e. transaction expenses are too high compared with the value of the transaction). Brokers are asked to hold uneconomic partial fills until such time as the transaction becomes large enough to be allocated fairly amongst all relevant accounts in a cost-effective manner. Each account receives its pro rata amount, rounded to a board lot. This process is repeated until the entire position is purchased. If the broker is not able to hold the partial fill until it is economic for all accounts, then fills are allocated to those accounts for which it is economic. This applies equally to orders for initial public offerings that are only partially filled. ### Section 10 — Other Information **Address Updates:** If you move, it is important that you update our support team with your new address as timely as possible. Failure to update your address in a timely manner can result in restrictions being placed on your account by our custodians, which may impair our ability to service your account effectively. **Privacy & Confidentiality:** By signing our investment management agreement, you consent to the sharing of your information as outlined in our Privacy and Security policies. We strongly encourage you to review these policies carefully prior to deciding to use our service and to contact our team if you have any questions. **Electronic Communications:** By signing up for our service, you understand that our process for providing investment advice is largely delivered through electronic means, and that notices will be delivered to you electronically as described in our investment management agreement. **Benchmarks:** An investment performance benchmark is a market or industry sector index against which you can measure the relative performance of your investment. By comparing your investment to an appropriate benchmark, you can see how your investment performed compared to the market or industry sector in general. Benchmarks should reflect a similar asset class, industry sector and/or risk level, so that they are comparable to the investment you are comparing the performance to. We do not currently, and we do not intend to, provide our clients with any benchmark comparisons. **Updates to this Document:** Nest Wealth may from time to time make updates to the contents of this document. We will ensure that clients are made aware of any materials changes via or email or through the online portal and will post the most current version of this document on our website. **Errors:** You understand that it is important for you to review carefully and promptly your account statements and other documentation (as requested) to make sure that there are no unintentional errors that may have arisen. If you identify any errors in your account statement, you must notify us within a reasonable time period from receiving the statement so that our team can help to amend any errors. ### Disclosures & Important Information \*Fidelity Clearing Canada ULC (FCC) is an indirect wholly owned subsidiary of 483 Bay Street Holdings LP, which is a joint venture between FIL Limited and Fidelity Canada Investors LLC. FCC and two other separate related legal entities are also Canadian securities registrants – Fidelity Investments Canada ULC and Fidelity (Canada) Asset Management ULC – conduct business under the “Fidelity Investments” brand, which is a trademark of Fidelity Investments Canada ULC and a registered business name of FCC. However, each Canadian securities registrants operates and conducts its business independently of each other. FCC is a member of and regulated by the Canadian Investment Regulatory Organization (CIRO) and is a member of the Canadian Investor Protection Fund (CIPF), which provides limited protection for property held by a member firm if the member firm becomes insolvent. National Bank Financial (NBF) acting through its National Bank Independent Network division (NBIN), which is an indirect, wholly owned subsidiary of National Bank of Canada (NBC). NBIN’s offices are located at Suite 3000, 130 King Street West, Toronto, Ontario. NBC is a federally regulated Schedule I bank and a public company listed on the TSX. NBF is a member of and regulated by CIRO and is a member of the Canada Investor Protection Fund, which provides limited protection for property held by a member firm if the member firm becomes insolvent. [View this document as PDF >](/wp-content/uploads/2025/05/Nest-Wealth-RDI-Final-May-2025-PDF.pdf) **Categories:** NWAM-2025 --- ### [Investment Management Agreement](https://nestwealth.com/investment-management-agreement/) **Published:** October 10, 2023 **Author:** Lorenzo Noventa **Excerpt:** Nest Wealth Investment Management Agreement. **Content:** # Investment Management Agreement [View the full document (PDF)](https://nestwealth.com/wp-content/uploads/2025/04/Nest-Wealth-Investment-Management-Agreement-January-31-2024.pdf)Version 8.0, January 31, 2024 THIS DISCRETIONARY MANAGEMENT AGREEMENT (the “**Agreement**”), effective as of the date of the signature below is entered into by and between the undersigned client (the “**Client**”) and Nest Wealth Asset Management Inc. (the “**Advisor**” or “**Nest Wealth**”), on the terms and conditions set forth below. 1. **Appointment**. The Client hereby appoints the Advisor as investment manager of the Client’s assets held in each of the accounts that the Advisor opens in the Client’s name during the term of this Agreement (the “Accounts”), with full power to supervise and direct the investment of the assets of the Accounts in its sole discretion as set forth herein. The Advisor may make all investments for the Accounts without consulting the Client or any other person or obtaining the Client’s or any other person’s consent or instructions. The Client acknowledges that all actions taken by the Advisor hereunder shall be binding upon the Client and as binding upon the Client‘s legal representatives as upon the Client. 2. **Limitation of Services**. The Client acknowledges that the services provided by the Advisor are for the investment of assets in the Accounts and that the Client cannot rely on the Advisor to provide tax, legal, or accounting advice, which services may be retained by the Client from other sources. 3. **Non-Exclusivity**. The services provided by the Advisor to the Client are not deemed exclusive. Nothing in this Agreement shall in any way restrict the right of the Advisor to provide investment management or other services for any other person or entity or to act for its own account, and the provision of such services for others or for its own account shall not violate or give rise to any duty or obligation to the Client. 4. **Powers of the Advisor.** The Advisor shall have full discretion and authority to manage all assets and property of any type and description held in the Accounts (collectively in respect of the Accounts, the “Account Assets”), subject to any investment objectives, investment restrictions and investment policies applicable to the Accounts as set out in the Client’s investment policy summary generated while opening their Accounts. (the “Plan”). The Advisor shall be authorized to exercise the following powers for and on behalf of the Accounts:(a) to make all investment decisions in respect of the Account Assets and to otherwise manage the Account Assets and invest or reinvest or direct the Custodian (as defined below) to invest or reinvest any money or assets at any time, in any market, using any dealer held in or for the Accounts in such securities or other investments as the Advisor may in its sole discretion determine;(b) to purchase, sell and otherwise trade in securities in accordance with the Plan;(c) to buy or sell securities denominated in foreign currencies or conduct foreign exchange transactions on behalf of the Accounts or to enter into such transactions with counterparties;(d) to instruct the Custodian to settle such trades as are directed by the Advisor;(e) to exercise any conversion privileges, subscription rights, warrants and/or other rights or options available in connection with any securities or other Account Assets;(f) to invest such portion of the Account Assets in cash or cash equivalents as the Advisor from time to time may deem to be in the best interests of the Accounts;(g) to assist with such applications and sign such documentation as may be necessary or desirable to be made on behalf of the Accounts with any securities, pension or other regulatory authority;(h) to retain third parties and affiliates of the Advisor, to perform any of the duties or obligations of the Advisor under this Agreement;(i) to create a debit balance while a charge in security holdings or a cash withdrawal is being affected in the Account where such debit balance is, in the reasonable opinion of the Advisor, in the best interests of the Account(j) to negotiate and agree to any commissions associated with the purchase and sale of securities for the Account; and(k) to do all such acts, take all such proceedings and exercise all such rights and privileges, although not specifically mentioned herein, as may be determined by the Advisor to be necessary, desirable or appropriate to discharge its duties hereunder. —————- \[find the remaining in the linked PDF\] —————- [View the full document (PDF)](https://nestwealth.com/wp-content/uploads/2025/04/Nest-Wealth-Investment-Management-Agreement-January-31-2024.pdf) **Categories:** Legal, NWAM-2025 --- ### [Investment Risk Disclosure](https://nestwealth.com/investment-risk-disclosure/) **Published:** October 10, 2023 **Author:** Lorenzo Noventa **Excerpt:** Nest Wealth Investment Risk Disclosure. **Content:** # Investment Risk Disclosure Version 2.0, October 10, 2023 The following is a summary of the risks of investing. Please note that this list is not exhaustive, and has been provided as an indication of the factors that can affect the value of your investments. **Equity Risk:** Investors in equity securities may be exposed to a high level of risk because the prices of equity securities can rise and fall significantly in a short period of time. This could arise due to the fortunes of the companies that issue them or with general stock market or economic conditions. **Short Selling Risk:** Short selling strategies (shorting) can provide an investor with an opportunity to manage volatility and enhance performance in declining or volatile markets. Short selling securities involves risk because there is no assurance that securities will decline sufficiently in value during the period of the short sale to offset the borrowing costs associated with shorting to make a profit for the investor. The investor may also experience difficulties repurchasing and returning the borrowed securities. Investors may experience significant loss if the value of the shorted securities increases as there is no upper limit to what the value of a security can be and the investor is under an existing obligation to repurchase it. **Credit Risk:** A fixed income security, like a bond, is essentially a promise to pay interest and repay a specified amount at a later time. The probability that the issuer of the fixed income security will fail to honour that promise is called credit risk. Credit rating agencies give investors an idea of how much of a credit risk an issuer represents. If a company or government has a high credit rating, the credit risk tends to be low. A lower credit rating means more credit risk. **Interest Rate Risk:** A change in general interest rates is one of the biggest factors affecting fixed-income securities. A bond for example, pays interest based on the level of interest rates prevailing when the bond is issued. Generally, if interest rates fall, the values of the bond rises. Conversely, if interest rates go up, the value of a bond will decrease. **Inflation Risk:** Inflation Risk is the risk of decline in the purchasing power of the client’s savings due to a general rise in prices. **Foreign Currency Risk:** Investing in securities that are priced in foreign currencies involves foreign currency risk. Securities that are priced in foreign currencies can lose value when the Canadian dollar rises against the foreign currency. As well, foreign governments and domestic may impose currency exchange restrictions, which could limit the ability to buy and sell certain foreign investments and could reduce the value of the foreign securities that are held by investors. **Foreign Market Risk:** Foreign investments involve additional risks because financial markets outside of Canada and the U.S. may be less liquid and companies may be less regulated and have lower standards of accounting and financial reporting. In some countries, an established stock market and legal system that adequately protects the rights of investors may be lacking. Foreign investments can also be affected by social, political, or economic instability. Foreign governments may impose investment restrictions. **Liquidity Risk:** Liquidity refers to the speed and ease with which an asset can be sold and converted into cash. Most securities can be sold easily and at a fair price. In highly volatile markets, certain securities may become less liquid, which means they cannot be sold as quickly or easily. Some securities may be illiquid because of legal restrictions, the nature of the investment, or certain other features such as guarantees or a lack of buyers interested in the particular security or market. Difficulty in selling securities may result in a loss or reduced return. **Borrowing Risk:** The use of leverage may not be suitable for all investors. Using borrowed money to finance the purchase of securities involves greater risk than using cash resources only. If an investor borrows money to purchase securities, the investor’s responsibility to repay the loan and pay interest as required by the terms of the loan remains the same even if the value of the securities purchased declines. **Derivatives Risk:** A derivative is a type of investment whose value is derived from the performance of other investments or from the movement of interest rates, exchange rates or market indices. The Advisor will only recommend derivatives as permitted by securities regulations. The advisor may use derivatives to achieve a specific position. This is referred to as speculating. The risks are similar to equity risk and short selling risk. The Advisor may recommend derivatives to help offset losses that other investments held by a portfolio might suffer because of changes in stock prices, commodity prices or interest or exchange rates. This is referred to as hedging.Common risks of hedging with or investing in derivatives are: - there is no guarantee that the derivative will be bought or sold at the right time to make a profit or limit a loss, nor that the other party to the contract will meet its obligations. Additionally, if the other party goes bankrupt, the investor could lose any deposits made or assets pledged in favour of the other party under the contract; - there is no guarantee that a hedging strategy will always work, as the elements that determine the value of a derivative may change in a manner that is contrary to the intent of the hedge; - hedging will not always offset a drop in the value of a security and hedging can prevent the portfolio from making a gain it otherwise may have made; and - the portfolio may not be able to create an effective hedge against an expected change in a market if most other people expect the same change. **Exchange Traded Fund Risk:** Exchange-traded funds (“ETFs”) are securities that closely resemble index funds, but can be bought and sold like common stocks: - an ETF may fail to accurately track the market segment or index that underlies its investment objective; - an ETF may not be “actively” managed. Such ETFs would not necessarily sell a security because the security’s issuer was in financial trouble, unless the security is removed from the applicable index being replicated. As a result, the performance of an ETF may be lower than the performance of an actively managed fund; - some ETFs employ leverage, which can magnify the risk of the underlying market segment or index; - the market price of an ETF units may trade at a discount or premium to its net asset value; - an active trading market for an ETF’s units may not develop or be maintained; and - there is no assurance that the requirements of the exchange necessary to maintain the listing of an ETF will continue to be met or remain unchanged. **Categories:** Legal, NWAM-2025 --- ### [Page 404 - not found](https://nestwealth.com/page-404-custom/) **Published:** February 23, 2016 **Author:** Lorenzo Noventa **Categories:** NW 2024, NWAM-2025 --- ### [Professionals Support](https://nestwealth.com/sf-webform-advisor/) **Published:** October 29, 2024 **Author:** Leonardo Aloi **Content:** [NEST WEALTH PLUS >](/financial-professionals/) ## Financial Professional’s Support **Have a Question? We’re here to help!** **Connect with the Nest Wealth Customer Experience Team to answer your questions.** Tell us what you need help with using the category and sub-category fields and ensure only one request is included so we can get you in touch with the right specialist. A member of our team should be in touch in 1-2 business days. Once you have submitted the form, you will receive a Case Number to the email used on the form. --Please select Category-- Transaction Account(s) Inquiry General Inquiry Portfolio Manager/Investments Advisor Question --Please select Subcategory-- “Nest Wealth” is the trade name of Nest Wealth Asset Management Inc. The products and services advertised are designed specifically for investors in the provinces of AB, BC, MB, SK, PE, NB, NL, NS, QC and ON and may not be available to all investors. Products and services are only offered in accordance with applicable laws and regulations. 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