Try to find any professional, financial advisor, chartered accountant, lawyer, or the like, who is truly competent at the plan member level, and particularly dealing with commuted value, and you will see for yourself. It is for this reason that Armquest has formed around it Associate relationships with select professionals who have proven their expertise. This is the Armquest team. We believe that people considering commuting their pension should know about and have access to the highest category of investment/pension knowledge and experience. 

 It became evident over 7 years ago that the commute option was becoming a real issue. The initial evidence came primarily from teachers and principals we already knew, hence the name of this site, but our subsequent work on many different plans has given us an unrivaled knowledge of your situations and issues. In addition, we now consult to your sponsoring corporations about your plans, both Defined Benefit and Defined Contribution.
 

Consulting and Free Portfolio Review
We have compiled a large amount of legal and financial information related to all aspects of commuting that is not, to our knowledge, and definitely not, according to our clients, available elsewhere. Of particular importance to some is the option to commute their pension due to a shortened life expectancy, even if they are already receiving a pension.

We have arranged with our associated Investment Managers to offer a free portfolio review for portfolios over $250,000. If you would like a free, no obligation, review of your current investment portfolio or would like to see what your commuted pension portfolio would look like, we will arrange this for you.

For information on our Consulting services or a no obligation portfolio review, please contact us or call Bill Gates at  905-855-8899.

Armquest: 
Bill Gates, M.B.A.: Bill has 20 years experience in hedging and risk management in the financial industry at Midland Walwyn, Dominion Securities and since1985 his own company. He is on the Derivatives Committee of the Toronto Society of Financial Analysts (TSFA).* His clients have included banks and pension fund managers, as well as individual plan members. 

Don Hart, is a former Vice Principal with 29 teaching years. He has, through self education, extensive knowledge with all your pension options and particularly commuting your pension. Don has commuted his.

Associates: 
Armquest has access to experts in many pension related areas, from Chartered Accountants to Actuaries. We have worked with these professionals and they continue to act as valuable corporate resources. 

*The TSFA is an affiliate of the global financial analyst and decision maker organization Association for Investment Management and Research (AIMR) 

If you commute, or if you have a Defined Contribution plan, a very important piece of information is to know that the firms selected to participate in the management of your retirement funds are skilled and appropriate. Most fund managers have no knowledge of the commute option and do not have the structure to properly accommodate these funds, including the resources that would allow them to be brought up to speed on what can be fairly complex material. 

Because of our expertise we have access to and have interviewed a number of managers in the process of creating a close group of appropriate firms to perform this function. The companies chosen are all specialists in managing retirement type funds and all have consistent returns superior to most other fund managers, placing them over the past 10 year period in the top 20% of fund managers as measured by portfolio returns. They are not any of the large fund companies you generally hear about because they do not spend upwards of 40% of the fees they charge you on advertising to you. As specialists in Private Wealth Management, they manage in excess of $1 billion.

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