Frequently Asked Questions

Agrawal Associates Private Wealth Management is an IIROC registered wealth management practice. Our team develops and maintains customized solutions that protect and enhance our clients’ lifestyles.

Our personalized approach to comprehensive and holistic wealth management is designed to address ten areas of your financial life, and this is what sets us apart from the competition. Our dedicated and experienced team will review and address the following, with all clients.

• Investment Management
• Retirement Planning
• Risk Management
• Tax Planning
• Cashflow Planning
• Debt Management
• Estate Planning
• Business Planning
• Intergenerational Transactions
• Charitable Giving

Your situation is different and unique from everyone else’s. Perhaps the best part of our approach is that your customized ‘blueprint’ is specifically designed to fit you and your needs. No ‘cookie cutters’ here. It’s your life. It's your plan. We will help you to see it through, every step of the way.

For more information, or to schedule a complimentary one hour introduction meeting to determine if our service fits with your unique needs, book a free initial consultation.

Our Private Wealth Management client model incorporates ten aggregated financial services into one effective holistic platform. Our mandate is to work with our clients as their personal CFO (Chief Financial Officer) and to advise on all aspects of their wealth management needs, not just a select few, actively reviewing and updating client data to maximize our effectiveness.

Our advisory team includes backgrounds and certifications in such areas as CERTIFIED FINANCIAL PLANNER^® (CFP) professionals, Accounting (CA), Chartered Financial Analyst (CFA), Chartered Life Underwriter (CLU), Master of Business Administration (MBA), Institutional Portfolio Analyst, Fellow of the Canadian Securities Institute (FCSI) as well as diverse backgrounds and educations in business, economics and commerce.

To us, wealth management encompasses all aspects of both managing and preserving what you have spent years creating.

For more information on our unique and effective client-focused model, view our approach page.

Agrawal Associates currently holds both IIROC (securities) and LLQP (life insurance) licenses in:

• Alberta
• British Columbia
• Ontario

Though most of our clients reside in Alberta, we also have several clients who reside within the other three provinces above. Periodically, clients receive permanent or temporary work transfers or retire to other provinces, and by holding registrations where our clients reside we can continue to serve their needs. It is not uncommon to communicate with out-of-province clients through virtual meetings.

For more information on maintaining an out-of-province relationship with our team, book a free initial consultation.

IIROC Licensed Brokerage Solutions

As a fully licensed IIROC registered securities office, Agrawal Associates can offer thousands of domestic and international fixed income, equity and managed solutions listed anywhere in the world.

What is IIROC?

The Investment Industry Regulatory Organization of Canada (IIROC) is a non-profit, national self-regulatory organization (SRO).

Established through the merger of the Investment Dealers Association (IDA) and Market Regulation Service (RS) on June 1, 2008, IIROC oversees all investment dealers and trading activity on debt (government & corporate bonds, mortgage backed securities, treasury bills, banker’s acceptance notes etc.) and equity (stock and derivative) markets in Canada.

The organization sets regulatory and investment industry standards and has quasi-judicial powers in that it holds enforcement hearings and has the power to suspend, fine and expel members and registered representatives.

What is CIPF?

Agrawal Associates is also a proud member of CIPF.

CIPF provides limited protection for property held by a member firm on behalf of an eligible client, if the member firm becomes insolvent. Member firms are investment dealers that are members of IIROC (Investment Industry Regulatory Organization of Canada). These investment firms are also automatically members of CIPF.

New clients are seeking wealth management solutions, not wealth creation ideas.

Typically, prospective clients are seeking a holistic wealth management team to service and advise them with the ongoing management of their wealth, advice on effective tax debt management and cash flow strategies, recommend intergenerational transfers and charitable giving solutions and to be accessible to their inquiries all times.

In order to maintain our high standards and quality of service we have a minimum limit of $500,000 of investable assets* as the required threshold to engage our services.

We are happy to meet and advise on alternative financial service providers to those who may require such options.

Clients can be characterized under one of three primary stages of life:

*Illiquid assets will be taken into consideration determinant upon proposed disposition.