For individuals
A portfolio built around your life.
For individuals, we manage taxable and non-taxable accounts, including RRSPs, TFSAs and other retirement-type accounts, and educational savings plans. Each is tailored to your goals and time horizon and managed with the same disciplined, transparent process.
The accounts we manage
One process, fitted to your accounts.
From everyday investing to long-term retirement and education savings, the same global macro discipline is applied to the accounts that matter to you.
Retirement accounts
RRSPs and other registered retirement-type accounts, managed for long-term, tax-deferred growth toward the retirement you have in mind.
Educational savings
Education savings plans that grow alongside your family's goals and timelines, with the same disciplined process behind them.
Taxable accounts
Non-registered, taxable portfolios managed for after-tax return, not just headline performance.
Non-taxable accounts
Tax-advantaged and registered accounts structured around your circumstances and time horizon.
How we work together
Personalized, transparent, and aligned with you.
We do not believe in off-the-shelf products and will never refer to you as a ‘balanced growth’ client. You are unique, and your portfolio should be as well.
An Investment Policy Statement
Together, we develop an Investment Policy Statement that sets out your return and risk objectives, along with all constraints: liquidity, legal, tax, time horizon, and the unique factors that make your goals your own.
You keep control, and we handle the day-to-day
You retain complete control over how your portfolio is managed while leaving the day-to-day decisions to IceCap: one disciplined, global macro process applied consistently to your accounts.
No commissions, no conflicts
We receive no commissions, rebates or trailer fees for placing you in any product. We are not sales agents for anyone, so the only interest reflected in your portfolio is yours.
Let’s build a portfolio
around your goals.
Tell us about your goals and time horizon, and we’ll walk you through how we would manage your accounts.