For Current Still Water Clients

Your Investment Solution: Justwealth

As your financial planning partner, we've carefully selected Justwealth to manage your investment portfolio. This document explains why we've chosen this partnership and how it directly benefits you as a Still Water client.

Why We've Chosen Justwealth

At Still Water Financial Partners, we believe that true sophistication lies in clarity, not complexity. After extensive research and due diligence, we've selected Justwealth as our investment partner because their approach aligns perfectly with our core principles:

Evidence-Based Investing

Justwealth uses a systematic, disciplined approach based on academic research rather than trying to predict market movements—exactly aligned with our investment philosophy.

True Independence

Like Still Water, Justwealth operates independently and isn't tied to any bank or financial institution, allowing them to select investments solely based on merit.

Transparent Fees

Their fee structure is clear and significantly lower than traditional options, helping more of your money stay invested for what matters to you.

Proven Performance

Justwealth has consistently delivered top-tier returns, recognized by independent sources like The Globe and Mail and Moneysense.

How It Works for Still Water Clients

Implementation Process

  1. Portfolio Selection: Still Water will support our partner portfolio manager from Justwealth to select appropriate portfolios based on your comprehensive financial plan

  2. Streamlined Setup: We'll provide you with a direct link to open your Justwealth accounts, and assist with the account opening process during implementation.

  3. Transfer Coordination: Our partners at Justwealth will help coordinate any transfers from existing investment accounts

  4. Dashboard Integration: Your new Justwealth accounts will appear on your Still Water consolidated net worth dashboard once opened and linked

  5. Ongoing Oversight: Still Water will monitor your Justwealth portfolios as part of your regular financial reviews, including our partner portfolio manager when appropriate

Your Ongoing Experience

  • Regular Reviews: Your Justwealth investments are reviewed as part of your semi-annual Still Water strategy meetings

  • Tax Documentation: You'll receive consolidated tax documents from Justwealth for your annual tax preparation

  • 24/7 Access: View your investments anytime through the Justwealth client portal or your Still Water dashboard

  • Dedicated Support: Still Water remains your primary contact for all financial questions

Simple and Sophisticated Portfolio Options

As a Still Water client, you gain access to Justwealth's extensive lineup of professionally managed portfolios:

  • 80+ Portfolio Options: Far more sophisticated than typical "robo-advisor" offerings

  • Tax-Efficient Income Portfolios: Ideal for corporate investment accounts

  • U.S. Dollar Portfolios: Avoid currency conversion costs for USD holdings

  • Education Target Date Portfolios: Automatically adjust risk as your children approach college-age

Combined Partnership Fees

As a Still Water client, you benefit from our completely transparent fee structure with no hidden costs. Here's the all-in cost breakdown for your wealth management services:

Still Water Financial Partners

Our tiered advisory fee structure provides comprehensive financial planning for your entire financial picture.

  • 1.00% on the first $1,000,000

  • 0.50% on amounts from $1,000,001 to $5,000,000

  • 0.25% on amounts above $5,000,000

These fees are applied as a reduction against your Still Water Financial Planning Fees

Justwealth Management Fees

Through our partnership, you receive institutional-grade investment management with full transparency.

0.40% on all assets

This fee covers portfolio construction, implementation, rebalancing, and ongoing management of your investments across all account types.

Underlying ETF Costs

The investments themselves have minimal embedded costs, far lower than traditional mutual funds.

0.14% - 0.25%

These costs are embedded in the ETF prices and are not billed separately. There are no hidden trailer fees or embedded advisor commissions.