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Website Disclaimar

This website is for general information only and is not intended to provide specific personalized advice including, without limitation, investment, financial, legal, accounting or tax advice. Please consult an appropriate professional regarding your particular circumstances.

This website does not constitute an offer or solicitation in any jurisdiction in which such offer or solicitation is not authorized or to any person to whom it is unlawful to make such offer or solicitation.

Jean-François Démoré is an investment advisor and is also licensed for the sale of life insurance products. Jean-François Démoré is registered through separate organizations for each purpose and as such, you may be dealing with more than one entity depending on the products purchased. Jean-François Démoré will provide the name of the entity being represented when insurance business is conducted. The sale of insurance products is not the business of or under the supervision of Aligned Capital Partners Inc. (ACPI) and ACPI will not be liable or responsible for such activities.

All non-securities related business conducted by Jean-François Démoré is not in the capacity of an employee or agent of ACPI and is not covered by the Canadian Investor Protection Fund (CIPF). Non-securities related business includes, without limitation, advising in or selling any type of insurance product, advising in or selling any type of mortgage service, estate and tax planning, bookkeeping, or tax return preparation. Accordingly, ACPI is not liable and/or responsible for any non-securities related business conducted by Jean-François Démoré.  Such non-securities related business is the responsibility of Jean-François Démoré alone.

References in this website to third party goods or services should not be regarded as an endorsement of these goods or services. By accessing any of the links provided you will be leaving the Innova Wealth Builders Inc website. Innova Wealth Builders Inc is not responsible for the information contained on these external websites.

The information contained on this website is for general information purposes only and is the opinion of the owners and writers. This information is not intended to provide specific personalized advice including, without limitation, investment, financial, legal, accounting or tax advice. However, please call Jean-François Démoré to discuss your particular circumstances.

The information contained on this website is subject to change without notice. The owner and publisher of this website are not liable for any inaccuracies in the information provided.

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Buy Low, Sell High

Tactical Asset Allocation is an active strategy that seeks to shift the percentage of invested dollars between the asset classes (stocks, bonds, etc.) to increase returns and lower risk.

According to landmark research by legendary investor Gary Brinson, your asset allocation determines over 90% of your return variability.

We focus on optimizing asset allocations to minimize risk and maximize returns rather than trying to pick the next 'hot stock'.

Our unique strategy is designed to determine:

  • Equities or Fixed Income: Which of these two asset classes is likely to produce the best rate of return in the near term?
  • Buying High: Are markets expensive in historical terms? Is it the best time to buy?
  • Stay local or shop abroad: Should we enter international markets or stay closer to home?
  • Long-term bonds, Short-term, or Cash: Within fixed income, do we expect interest rates to rise? If so, how can we protect ourselves?

The Best of all Worlds

As independents advisors, we are free to source the best products available. From Big Banks to Boutique Specialty Shops, our solutions encompasse the best of all worlds.

We use  available investment products to create your personalized portfolio, including:

  • Stocks (Equities)

  • Mutual Funds
  • Bonds (Fixed Income)
  • Exchange Traded Funds
  • Pooled Funds*
    *Pending regulatory approval
  • Hedge Funds
  • Option Strategy Products
  • Alternative Strategies
  • Commodities (Gold, Oil, Etc.)
  • Infrastructure & Real Estate

A portfolio of financial products is key to keeping fees low and maximizing diversification.

Transparency & Fees

Financial Advisors receive compensation in one of two ways: commission or fee-based (non-discretionary or discretionary)

At Innova, we operate on an on-going management fee basis which motivates advisors to focus on their existing clients' needs, rather than on finding new clients, which has led to our near perfect retention rate. We specifically eliminated offering/recommending (or similar) deferred service charge (DSC) structured products funds that pay the advisor a commission in exchange for locking-in a client’s dollars for several years. Instead, we operate on a transparent fee-for-service platform where fees are visible, easy-to-understand, and below market price. Some of these fees may also be tax-deductible, optimizing your holistic financial plan.

Aligned with your best interests!

  • If your money grows, so does our compensation.
  • If your money decreases, so does our compensation.

Focused on optimizing long-term performance!

  • No overhead, resulting in reduced fees for you.
  • No 'pressure' on Innova of ACPI Advisors to generate commissions on your account.

*All trades are solicited with both of our best interests at heart: Growing your dollars!

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Contact us

Contact us

Sudbury Office

Sudbury Office

888 Regent Street, Suite 208.
Sudbury, ON  P3E 6C6

  • INWP office
  • INWP office
  • INWP office
  • INWP office

As always, we would appreciate the opportunity to speak with you, so please do not hesitate to contact us using mail, email, telephone or fax at the addresses listed below. 

* Please direct all calls, mail, faxes and questions to Kelly at the Sudbury office.









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