Welcome

We provide premium wealth management solutions to individuals and businesses by acting as their financial quarterback through clarity, counselling and coordination.

Working with our team of specialists we specialize in providing professional portfolio management, financial planning and insurance strategies for individuals, families, businesses, institutions, trusts, and foundations.

About Scotia Wealth Management

Meet our team

Andrew Pyle, one of Canada’s most respected financial investment professionals, leads a team of specialists to help you reach your goals.

The strength of our business is our clients and the strength behind the business is our professional team of specialists. Emphasis on continued education and training ensures that clients always receive the highest level of service.

Andrew Pyle

For over 25 years, Andrew has held several senior market analyst positions in Canada’s financial industry, advising individual clients, businesses and charitable organizations on financial issues. Prior to joining ScotiaMcLeod, he was the Vice-President and Head of Capital Market Research for Scotia Economics and the Chief Canadian Strategist for the Dutch bank, ABN AMRO.

During his career, he has provided economic and investment strategy advice to corporations, central banks and some of the largest investment funds in the world. He is widely quoted in the media, appearing regularly on radio and television, and is often asked to speak to industry groups and community associations. Andrew works with clients across Canada, and lives in Peterborough, Ontario. He is an active contributor to the local community.

 

Ally Pyle

Ally joined The Pyle Group in August 2016 from Scotiabank. She brings with her 7 years of industry experience. Her roles included Customer Service Supervisor and Financial Advisor. Ally strongly believes in the importance of excellent client service and advice and was awarded an individual recognition at ‘Best of The Best’ in 2015. She has a Bachelor of Science majoring in Economics from Trent where she played varsity soccer. She is fully licensed in securities and is currently working towards her Chartered Investment Manager (C.I.M) Designation

Ally was raised in Peterborough, playing rep soccer for the City; she attended PCVS in the Arts Program and then graduated from St. Peter’s Secondary School. Ally volunteers with the Downs Syndrome Association of Peterborough and enjoys singing, playing guitar, four wheeling, and spending time outside with her three dogs Cash, Carter and Doogie.

Eileen has over 25 years of experience in the financial services industry. She joined ScotiaMcLeod in 1996 and has worked in the Peterborough office since that time. Eileen has her FMA (Financial Management Advisor Designation), Retirement Strategist Designation, Level II Insurance Licence and securities licence.

Eileen recently received her Chartered Investment Manager designation.  She assists with the investment side of the business as well as portfolio management and business development. Eileen has extensive experience in customer service and the financial services industry. Outside of ScotiaMcLeod, Eileen is involved in various charity fundraisers in the community. She enjoys spending time with family and friends, golfing, curling, running and reading.

Emily Downie

Emily has a broad knowledge of the financial services industry as a result of working for financial institutions in Canada and the United States. She returned to her hometown of Peterborough in 2006 after living abroad for 15 years. Emily has a Bachelor of Arts degree from Carleton University and is fully licensed in securities, and insurance. She has successfully completed her CFP designation.

She works with our team of experts from the insurance, estate, and trust departments to provide a complete financial strategy. She assists in preparing and implementing financial plans. Emily is actively involved in several charities in the community and is an avid marathoner. She lives in Peterborough with her husband and three children.

 

Brittany Scott

Brittany joined The Pyle Group team from Scotiabank, where she excelled as a Customer Service Representative. She has a Bachelor of Arts from Trent University and an Event Management certificate from Fleming College and is fully licensed in securities.

Brittany takes a proactive approach while servicing client needs and working with ScotiaMcLeod’s team of experts. Brittany enjoys volunteering in the community with local theatres and special events. Her volunteer experience also includes working with international health teams in Cambodia, Bolivia, Haiti and Ecuador. Brittany was raised in North Bay and now makes Peterborough her home with her husband,  Border Collie and Shepherd/Husky

Tammy Sargeant

Tammy joined the Pyle Group in 2017. Though new to the team, she may be a familiar face from her previous role as our Branch Operations Assistant here at ScotiaMcLeod.

Tammy got her start in the financial industry as a Customer Service Representative at Scotiabank, and has since then transitioned to ScotiaMcLeod where she continues to deliver client service.

Tammy earned her Bachelor degree at Trent University and is fully licensed in securities.

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Our services

Many Canadians, whether working or retired, have less time to spend focusing on building and protecting their capital.

At The Pyle Group we are dedicated to managing and protecting your financial future.

Acting as your personal CFO we ensure that your investment strategy reinforces your financial planning objectives.

Our process

Services provided

The sources of your wealth are varied. It may have originated from personal savings, a business or an inheritance. There are many ways in which you can grow your wealth. Our wide breadth of knowledge and expertise will assist you in making investment decisions that are appropriate for your stage in life, your goals and your tolerance for risk.

Whatever your situation, The Pyle Group will help enhance your growth by:

  • Matching portfolio solutions to your specific goals;
  • Maintaining a disciplined approach to asset allocation;
  • Maximizing the tax efficiency of your investment strategy; and
  • Managing risk.

You spend so much time focusing on careers, business and building your capital that you may neglect to notice how well protected you and your investments truly are. Changes in your health, premature death, volatile markets, inflation, and even the future cost of long-term care all represent threats to your wealth and to those around you.

At The Pyle Group, we are dedicated to protecting your financial future. A financial plan is the first key step in organizing your finances and making sure you’re on track to meeting your investment and lifestyle objectives. A properly developed financial plan can help you set your priorities and allocate your funds accordingly.

Financial planning and advisory services are provided by Scotia Capital Inc.

Even though self-employed individuals have had the ability to incorporate for a number of years we find that many still do not know that they can create their own defined benefit pension plans now – something they couldn’t do before. Essentially an Individual Pension Plan (IPP) works like any other defined benefit plan in that the corporation provides the funding necessary to generate a specific income flow at retirement.

At The Pyle Group we will generate a concept showing a comparison between continued RRSP funding and an IPP and discuss those results with you and your accountant to ensure the strategy makes sense.

Benefits of an IPP include:

  • Depending on the age and salary that an incorporated business owner draws from the corporation the maximum contribution to the IPP will be well in excess of the RRSP maximum.
  • If a spouse also draws a salary from the corporation they too can have an IPP created.
  • The ability to fund based on past service (taking account of salaries drawn from the corporation since inception).
  • Making a voluntary contribution by rolling in existing RRSP assets into the IPP.
  • Since investment management fees are not deductible for RRSPs, but allowed for an IPP, this also improves tax efficiency in fee based accounts for the business owner.
  • Assets in an IPP are also creditor proof, where they are not always in an RRS

Pension regulations require an IPP to show average annual returns of at least 7.5%. Any shortfall, however, will be made up by additional tax-deductible contributions by the corporation. Since many professionals will typically have conservative investment strategies, this makes it more likely that the corporation will have an increased opportunity to put even more capital into the IPP where it will claim a deduction and not be taxed on income from that capital.

The planning we do today will ensure that your accumulated assets pass to those you cherish with the least amount of tax possible. While you save for retirement, the sooner you start thinking about your estate planning objectives the better. What is needed is a true team approach; from insurance strategies to create an estate or defray capital gains taxes, to preparing for cottage succession and passing along the family business.

The Pyle Group utilizes ScotiaMcLeod’s entire suite of specialists in areas of estate, insurance and tax-efficient strategies. Working together with your own accountants and lawyers we ensure your estate plan is comprehensive, efficient and does what you intend it to do.

Business and family advisory services are provided by Scotia Capital Inc.

One of the key questions you are asked when determining your risk tolerance is whether or not you might have any specific estate or charitable giving goals in mind. These aspirations will likely include your family and friends, as well as local associations, national charities and even global agencies. The more thought you put into your estate plan and philanthropic legacy, and the sooner you do so, the better will be the outcome. The Pyle Group is here to guide you through with an extensive team of experts in areas of financial planning, tax strategy, insurance, and philanthropic advice, including Scotiabank’s own Aqueduct Foundation.

Estate and trust services are provided by The Bank of Nova Scotia Trust Company.

Delivering premium total wealth solutions with a fee-based platform that is fair, consistent and transparent is the foundation of The Pyle Group. Our pricing policy is in line with advisor teams in the top quartile in the industry.

Services for medical professionals

Commentary

Possible early clues to a slowdown

July 20, 2018

I have discussed in recent newsletters how the near-term outlook for the North American economy and equity markets remains sound, albeit with the overhang of risks like US protectionism. There will be an inflection point, however, where we say good-bye to the expansion and hello to the next recession.  It is not a matter of if, but when. As the weeks and months pass, watching for shifts in the data becomes ever more important.

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Contact us

We are committed to exceptional client service.

Our team of professionals is available by phone or email, and each of us looks forward to meeting you in person.

Our address

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111 Hunter Street West, 2nd Floor
Peterborough, Ontario
K9H 4K3, Canada

+1 855.870.7112
705.876.1045

Contacts
NamePositionPhone
Andrew PylePortfolio Mananger 855.870.7112
Ally PyleWealth Advisor705.876.3703
Eileen HugginsInvestment Associate705.876.3708
Emily DownieSenior Associate705.876.3716
Brittany ScottSenior Associate705.876.3701
Tammy SargeantAdministrative Associate705.876.3713