One Clear Fee.
No Hidden Layers.
At JCIC, you know what you pay and what you receive in return.
We are a fee-only wealth manager. Our management fee is based on the assets we manage for you, with no commissions or trailer fees influencing our investment decisions.
One Management Fee
You pay JCIC directly to manage your wealth.
Tiered Pricing
As the assets your family has with JCIC increase, your applicable fee percentage becomes lower.
Shifting Family
Priorities
Realigning your financial structure during a divorce or significant life change
Straightforward Fees That Reward A Deeper Relationship
Your management fee is calculated as a percentage of the assets JCIC manages for you.
Our fee schedule is tiered. As the total assets your family invests with JCIC increase, the applicable fee percentage becomes lower.
What Does Fee-Only Mean?
A fee-only wealth manager is paid directly by clients rather than through commissions for selling investment products. At JCIC, our management fee is based on the assets we manage. We do not receive third-party sales commissions or mutual fund trailer fees for selecting investments.
One Fee. An Ongoing Wealth Management Relationship
Portfolio Management
Ongoing investment decisions, portfolio construction, monitoring and oversight.
Research And Strategy
Global research and disciplined analysis of companies, markets, risks and opportunities.
Personal Wealth Strategy
A portfolio built around your goals, income needs, risk tolerance and financial circumstances.
Ongoing Advice And Reviews
Regular communication and adjustments as markets, opportunities and your life change.
What Are You Really Paying For?
Investment costs can come from more than one place. At some large institutions, management fees, embedded fund costs and sales compensation can make the total cost harder to see.
JCIC uses a simpler model: a direct management fee, clearly disclosed.
Product-Based Model
Fee-Only Model
May be only one part of total cost
MERs and trading expenses apply inside investment products
Commissions or trailer fees can exist in some models
JCIC Manages Your Investments. RBC Investor Services Holds Your Assets.
JCIC makes the investment decisions and manages your portfolio, but we do not physically hold your assets.
Your investments are held separately through RBC Investor Services, giving you the combination of independent portfolio management and established institutional custody.
JCIC
Asset Management
Manages
Your Investments
Your Capital is
Securely Protected
RBC
Investor Services
Holds Your Assets
Frequently Asked Questions
1. How Are JCIC's Fees Calculated?
Our management fee is based on the assets we manage for you. Our fee schedule is tiered, so the applicable percentage becomes lower as the total assets your family has with JCIC increase.
2. Can My Family's Assets Be Grouped For Fee Purposes?
Yes. Eligible assets can be considered together at the family level when determining the applicable fee tier.
3. Does JCIC Receive Commissions Or Trailer Fees?
No. JCIC does not receive third-party sales commissions or mutual fund trailer fees for selecting investments.
4. Are There Any Costs Beyond JCIC's Management Fee?
A standard custodial fee applies through RBC Investor Services. Limited investment-related expenses may also apply in specific circumstances. We explain applicable costs clearly.
5. What Does My Management Fee Cover?
Your fee supports ongoing portfolio management, investment research, strategy, personal advice, communication and regular review.
6. Who Actually Holds My Assets?
Your assets are held separately through RBC Investor Services, while JCIC manages the portfolio and makes investment decisions.
Know What You Pay. Understand What You Receive.
Speak with our team about your portfolio, our tiered fee structure and whether JCIC is the right fit for your wealth.
Speak With a Portfolio Manager