Dominique Di Fiore, MMIE, B. COM.

Excellence Accreditation

Excellence accreditation attests that the wealth manager's practice meets the highest standards of quality in order to offer you an unparalleled experience in meeting your financial needs. This distinction is awarded exclusively to Desjardins Securities wealth managers who participate in a continuous development and improvement program.

Mission

The Anik Armand Team means partnership and a commitment to building solid foundations for you, with full peace of mind!

Investment Philosophy

Risk management

In managing your portfolio, we strive to attain the best balance between the performance you seek and the level of risk you can tolerate. To achieve this, we turn to indicators such as the Sharpe ratio, standard deviation and beta. This concern for controlling risk affects our entire investment philosophy.

Asset allocation

Asset allocation accounts for 91% of performance and requires constant, rigorous monitoring. It may sometimes be necessary to rebalance a portfolio to maintain a previously established allocation, which must always match the goals set out in the investment policy.

Stock selection

Our value-oriented approach leads us to select stocks in well capitalized companies that generate substantial cash flow and that have an attractive market valuations. Among our selection criteria are analysis of a company's growth rate, income, dividends and debt level as well as its competitive position in the market.

Our fundamental analysis of the economy and the financial markets guides our tactical process of asset allocation and stock selection. This has a dual purpose: protecting your capital and maximizing potential yield.

Assessment of managers

The portfolio may include managed products such as mutual funds. We evaluate performance on a regular basis, and we make sure the managers of these products act in accordance with established investment policies and processes. We show particular interest in the alpha generated as well as in the indices that reflect rising and falling markets.

Tax efficiency

We never lose sight of the tax aspect of your investments, and we use every tool available to mitigate the tax impact. To this end, we encourage you to take full advantage of the benefits and in particular the strategies to be derived from corporate structures.

What sets us apart

Synergy and collaboration

The Anik Armand Team brings together dynamic, enthusiastic professionals who pool their skills, experience and expertise, working with one another to develop appropriate strategies in your best interest. Protecting your portfolio is very important to them, as if it were their own property.

They do not hesitate to consult outside experts (accountants, tax specialists and notaries) to ensure the excellence and precision of the wealth management proposals they present to you.

Values

A sense of the common good: prosperity.

A desire for collaboration: partnership.

Openness: a consultative approach.

Service Offer

• Wealth management
• Retirement
  • RRSPs, LIRAs, IPPs, RRIFs, LIFs
  • Annuities
  • Business transfers
• Estates
  • Wills
  • Mandates in case of disability
  • Trusts^{Footnote 1}
• Portfolio management
  • Investment policy statements
  • Comprehensive portfolio assessment
  • Strategic and tactical management
  • Risk management
• Planning^{Footnote 1}
  • Retirement planning
  • Financial, estate and tax planning
  • Business coaching
• Insurance^{Footnote 1}
  • Life and disability
  • Long-term care and critical illness
  • Insured annuities (back-to-back annuities)
• Philanthropy
  • Planned donations
  • Foundations