Disciplined. Diversified.
Built Around You.

Your investment strategy is shaped by what we learn in Discovery and formalized in your personalized Investment Policy Statement (IPS) — the foundation of how your portfolio is managed. Anchored by your personalized Investment Policy Statement, we build and manage your portfolio using a modern blend of traditional markets, alternatives, and active oversight. Our approach is transparent, research-driven, and aligned with your goals.
OUR INVESTMENT PHILOSOPHY

Beyond 60/40.

At Palos, we build modern portfolios that go beyond the traditional 60/40 approach. Today’s investment landscape demands more than simply dividing assets between stocks and bonds. Our portfolios draw from a broader, more flexible universe that includes alternatives. This expanded tool kit helps us build portfolios that are more diversified, more adaptable, and better suited to long-term wealth creation.

Our Investment Process

A disciplined framework guided by your IPS.

Your Investment Policy Statement (IPS) is the foundation of your investment strategy. It defines your objectives, constraints, risk profile, liquidity needs, tax considerations, and long-term goals. Every investment decision flow from this document.

From there, we follow a structured and repeatable process :

1

Discovery

We begin with a conversation about your goals, financial circumstances, time horizon, and comfort with investment risk. This helps us develop a focused investment proposal and identify whether additional wealth planning would be useful. 

2

Investment Policy Statement (IPS)

We formalize your objectives, risk profile, time horizon, liquidity needs, and constraints into a personalized IPS — the blueprint that governs how your portfolio is managed.

3

Strategic Asset Allocation

We determine your long-term mix of equities, fixed income, alternatives, and cash. Asset allocation is the primary driver of long-term returns, and we approach it with discipline - not emotion.

Low Risk

Defensive, income-oriented

Medium Risk

Balanced & diversified

High Risk

Growth-focused
with higher return potential


4

Portfolio Construction

We implement your strategic asset mix using a diversified combination of:

Defensive, income-oriented

Our equity, fixed income, and alternative mandates serve as core building blocks. These strategies allow us to implement views with precision, consistency, and transparency.

External Managers (Open Architecture)

We incorporate external managers when specialized expertise or diversification adds value. This objective, flexible approach ensures each client receives the optimal mix of strategies.

Each component is selected for its role, efficiency, and alignment with your IPS.​

5

Risk Management

We continuously monitor exposures, liquidity, volatility, and concentration to ensure your portfolio remains aligned with your long-term strategy. Our approach emphasizes transparency, discipline, and protection of capital across market cycles.

6

Ongoing Review & Rebalancing

Markets evolve.  Your goals stay constant.  We review your portfolio regularly and rebalance when needed, always guided by your IPS and your long-term objectives.

GET STARTED

Invest with intention.

Put a disciplined, personalized strategy behind every investment decision. Speak with a Wealth Advisor to begin.

OR REACH US AT:
T: +1 (514) 397-0188


Place Ville Marie, #1670, Montreal,
Quebec H3B 2B6

FAQ

No. We manage your portfolio on a discretionary basis, meaning your Portfolio Manager makes day-to-day investment decisions on your behalf. Those decisions must stay within the objectives and limits agreed with you in your Investment Policy Statement (IPS).

We consider your comfort with investment risk, your financial ability to withstand losses, and your time horizon. These factors help us establish your risk profile and an appropriate mix of investments, both reflected in your IPS.

Your portfolio is managed individually through a separately managed account (SMA). It may include individual securities, investment funds, or a combination of both. Although some investments or strategies may be shared with other clients, your portfolio is tailored to your objectives, risk profile, tax situation, and need for access to your money. Our model portfolios provide a framework for that approach.

Not necessarily. We use Palos funds alongside individual securities, other investment funds, and external managers where they add diversification or specialized expertise. The combination depends on your IPS and the role each investment plays in your portfolio.

Let your Portfolio Manager know. We will review how the change affects your objectives, risk profile, or need for access to your money. Where appropriate, we update your IPS and adjust your portfolio to reflect your new circumstances.