Our process

Investment Process, Alternatives and Portfolio Performance

A disciplined, fiduciary investment process designed to participate in strong markets and manage risk through difficult ones—supported by transparent reporting and a repeatable decision framework.

Our Investment Philosophy

Markets are unpredictable.

A disciplined process is what keeps decisions consistent over time.

Participate in good markets

Own high-quality businesses with conviction and a long-term mindset.

Preserve capital in bad markets

Risk management matters most when markets are under stress. Avoiding large drawdowns helps compounding work in your favour.

Stay decision-driven, not headline-driven

We follow a repeatable process for what we own, why we own it, and when we make changes.

High-level drawdown concept

Large declines require disproportionately larger gains to recover. Managing downside risk supports more consistent long-term progress.

Why we don’t default to a “standard 65/35”

A traditional stock/bond mix can be appropriate in some cases, but it is not always sufficient for today’s market environment or for higher-net-worth planning objectives.

Diversification can weaken in stress periods

Correlations can rise when markets are under pressure

Rate and inflation regimes change

A static mix may not reflect evolving conditions

After-tax outcomes matter

Account structure and tax efficiency can materially impact results over time

Alternatives as a Differentiator

Private Markets and Structured Products 

For qualified investors, alternatives can offer diversification beyond public stocks and bonds. We use alternatives selectively, sized to goals, liquidity needs, time horizon, and risk profile.

Private Markets

Private market strategies can provide

    • Diversification beyond public markets
    • Access to different return drivers (often less tied to daily market movements)
    • Potential for risk-adjusted outcomes when used appropriately within a total portfolio

Structured Products

Structured solutions can be used to:

    • Manage risk and outcomes through defined structures
    • Create more predictable payoff profiles than traditional stock-only exposure (depending on structure)
    • Support planning objectives when a client prefers clearer parameters around risk/return trade-off

Alternatives can involve liquidity constraints, complexity, and different risk characteristics than traditional stocks and bonds.
Structured products have issuer/credit risk, may have limits on upside, and depend on the terms of the structure.
All alternative allocations are suitability-driven and integrated into the broader plan.

How Decisions Are Made

How we select investments (a filter, not a guess)

We start with a broad universe and narrow it through stringent criteria until we’re left with a focused list of targeted names that earn a place in the portfolio.

A repeatable investment filter designed to reduce noise and improve decision consistency.

1
Universe

(start with the macroeconomics)

  • Analyze current macroeconomic trends
  • Forecast their expected impact on capital markets
  • Focus attention on areas of expected growth
2
Quality Screen

(what we require)

  • Growing free cash flow
  • Positive net change in cash
  • Strong balance sheet and prudent leverage
  • Shareholder alignment and capital discipline
3
Style Lens

(how we categorize opportunities)

  • Dividend-focused companies: sustainable payouts and a history of responsible dividend growth
  • Growth companies: evidence of durable ROIC and fundamentals that support growth beyond short-term optimism
4
Valuation Discipline

(analyzing key value outlooks)

  • DCF-based intrinsic value – never buy without a margin of safety
  • P/E and FCF relative to sector, history, and growth rate
  • Identify the catalyst: what unlocks value within 18-26 months?
5
Portfolio Fit

(why it belongs)

  • Role in portfolio (stability, growth, diversification)
  • Risk contribution and position sizing discipline
  • Valuation awareness (price paid matters)
  • Reallocation when facts change and opportunities improve elsewhere
6
Ongoing Monitoring

(constant analysis to verify portfolio fit & growth prospects)

  • We track key valuation metrics, analyst reports, and risk adjustments to ensure ongoing fit
  • Reassess holdings for changes in financial situation or fundamental prospects
  • Monitor macroeconomic trends for tactical exits or opportunities
1
Universe
2
Quality Screen

(what we require)

  • Growing free cash flow
  • Positive net change in cash
  • Strong balance sheet and prudent leverage
  • Shareholder alignment and capital discipline
3
Style Lens

(how we categorize opportunities)

  • Dividend-focused companies: sustainable payouts and a history of responsible dividend growth
  • Growth companies: evidence of durable ROIC and fundamentals that support growth beyond short-term optimism
4
Valuation Discipline
5
Portfolio Fit

(why it belongs)

  • Role in portfolio (stability, growth, diversification)
  • Risk contribution and position sizing discipline
  • Valuation awareness (price paid matters)
  • Reallocation when facts change and opportunities improve elsewhere
6
Ongoing Monitoring

RISK MANAGEMENT

Risk management is a core feature, not an afterthought

Risk isn’t just volatility—it’s the chance of outcomes that derail the plan.

Our risk approach includes:

Diversification by exposure, not just number of holdings

Ongoing monitoring for fundamental change and stress regimes

Position sizing and concentration awareness

Portfolio guardrails aligned to the client’s mandate and goals

Model Portfolios and Performance

Three models, one disciplined framework.

We manage portfolios to match objectives and risk tolerance. These models provide a consistent structure for implementation and communication.

Conservative

Objective: Prioritize capital preservation and lower volatility relative to growth-oriented mandates

Balanced Growth 

Objective: Balance long-term growth with risk management through market cycles

Growth

Objective: Pursue long-term growth with higher tolerance for volatility and equity exposure

Performance and track record

Our model portfolio performance has been tracked for publishing and reporting since October 2023.

 

The underlying investment process and portfolio management approach has been in operation since 2013, applied through client portfolios based on suitability, client objectives, and the agreed mandate.

Evergreen Growth (click to open)

Investment Objective: The “Evergreen Growth Portfolio” is designed to achieve maximum capital gains and growth.

Performance to May 2026 **Inception YTD 1M 3M 6M 1Y **2Y
Evergreen Growth* 18.55% 9.12% 4.56% 7.57% 8.50% 29.53% 17.88%
EG Growth Benchmark*** 18.88% 4.25% 1.33% 2.73% 4.02% 18.91% 16.04%

Past performance is not an indication of future returns.
*Performance is presented gross of fees.
** Inception Oct. 3, 2023. Results beyond 1 year are annualized.

***Evergreen Growth Benchmark: 25% iShares Core U.S. Aggregate Bond ETF, 37.5% SPDR Dow Jones Industrial Average ETF, 37.5% iShares S&P/TSX 60 Index ETF
Source: SIACharts.com

Evergreen Growth – growth of $10,000 to May 12, 2026

Evergreen Wealth Management growth and benchmark performance from Jan 2024 to May 2026.

Evergreen Balanced-Growth (click to open)

Investment Objective: The “Evergreen Balanced-Growth Portfolio” is designed to generate income with modest participation in growth opportunities.

Performance to May 2026 **Inception YTD 1M 3M 6M 1Y **2Y
Evergreen
Balanced-Growth*
16.18% 7.48% 3.65% 6.01% 6.84% 24.32% 15.35%
EG Balanced-Growth Benchmark*** 17.21% 3.67% 0.97% 2.32% 3.21% 16.72% 14.63%

Past performance is not an indication of future returns.
*Performance is presented gross of fees.
** Inception Oct. 3, 2023. Results beyond 1 year are annualized.
***Evergreen Balanced-Growth Benchmark: 35% iShares Core U.S. Aggregate Bond ETF, 32.5% SPDR Dow Jones Industrial Average ETF, 32.5% iShares S&P/TSX 60 Index ETF

Source: SIACharts.com

Evergreen Balanced Growth – growth of $10,000 to May 12, 2026

Evergreen Wealth Management portfolio growth chart from Jan 2024 to May 2026.

Evergreen Balanced (click to open)

Investment Objective: The “Evergreen Balanced Portfolio” is designed to generate a steady stream of income at lowers level of risk.

Performance to May 2026 **Inception YTD 1M 3M 6M 1Y **2Y
Evergreen Balanced* 13.73% 5.81% 2.69% 4.41% 5.28% 19.34% 12.95%
EG Balanced Benchmark*** 14.74% 2.78% 0.43% 1.69% 1.99% 13.50% 12.52%

Past performance is not an indication of future returns.
*Performance is presented gross of fees.
** Inception Oct. 3, 2023. Results beyond 1 year are annualized.
***Evergreen Balanced Benchmark: 50% iShares Core U.S. Aggregate Bond ETF, 25% SPDR Dow Jones Industrial Average ETF, 25% iShares S&P/TSX 60 Index ETF

Source: SIACharts.com

Evergreen Balanced – growth of $10,000 to May 12, 2026

Evergreen Wealth Management portfolio performance chart from 2024 to 2026.

Transparency and Accountability

What Clients Can Expect

We manage portfolios to match objectives and risk tolerance. These models provide a consistent structure for implementation and communication.

A clear investment mandate and suitability framework

Transparent reporting and plain-English communication

A consistent review cadence (and proactive outreach when warranted)

Coordination with planning priorities (tax, retirement, estate) so the portfolio supports the plan—not the other way around

Disclosures

Performance is not guaranteed and past performance may not be repeated.
Model portfolio performance is presented for informational purposes and may differ from individual client results due to timing, cash flows, objectives, constraints, and suitability requirements.
Alternatives involve additional risks, including liquidity risk and valuation complexity. Structured products also involve issuer risk and product-specific features.
This content is general information and not investment, tax, or legal advice. Professional advice should be obtained for your specific situation.

 

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