We’re a unique firm that combines the scale and capability of a large global bank, with the continuity and genuine commitment to service of a boutique firm. Cidel is committed to providing our clients with world-class capabilities in our three core service areas:

Would you build a house without consulting an architect? Of course not. Similarly, successfully preserving and building your wealth requires planning and preparation. It takes patience and expertise to identify all the elements of your personal wealth and understand all the factors at play. At Cidel, we’re unusual in our enthusiasm for navigating complex financial situations.

We like untangling knots – and also appreciate each one is different. Working closely with, we pride ourselves on developing strategies and structures that are both effective and efficient. And when it comes to implementation and maintenance, you’d be hard-pressed to find a more reliable and experience team. We make sure your wealth can withstand the test of time.

Most investors want exactly the same thing – to grow and protect their money. But what, exactly, is the best way to do that? For even the most sophisticated investor, the options can be overwhelming.
This is where we come in. For more than half a century, Cidel has been helping people figure out which opportunities are an ideal match for them – and which ones aren’t.

We bring a global perspective to the conversation and connect private investors to institutional thinking and solutions. Each strategy involves a rigorous process that leads to better results. Again and again. And behind the process? An extraordinary team of people, including investment researchers and managers with a knack for finding the best ideas, then sharing them in plain language.

Besides taking deposits and lending money, our banking platform lets clients use and grow their wealth by accessing global markets, currencies and ideas from around the world. We’re not a commercial bank nor an investment bank – we’re a private bank. That means you can expect customized solutions and warm, personal service.

Here’s a rundown of our full range of services:

  • Multi­currency current deposits & term deposits
  • Custody of hard assets
  • Margin lending
  • Currency hedging solutions
  • International wire transfer services
  • Online account viewing
  • Consolidated statements
  • Equity & fixed income trading
  • Trading in international mutual funds, hedge funds & private equity funds

(Note: These services may not be offered in all jurisdictions.)

Significant wealth often brings with it significant complexity. Our aim is to make sure it never feels like a burden. Cidel 360 is our most comprehensive service—providing an unparalleled level of support and guidance to our highest net worth individuals and families. In an advisory role, we take the time to understand the full sweep of considerations that impact your financial and personal life. And then our team serves as expert, strategist, confidante, and friend to establish and implement a game plan that turns the complexity into a simple solution.

Trusts are extraordinarily flexible tools for protecting and directing wealth. They come in all shapes and sizes and offer a surprising number of benefits. While commonly used for tax and estate planning, charitable giving and business succession, trusts can potentially be applied to a much wider range of situations. As a licensed trust company in multiple jurisdictions, we work with lawyers, accountants and advisors to help wealthy individuals and families identify and manage those opportunities.

 

Our trust services include:

  • Trustee services
    • Inter vivos trusts
    • Testamentary trusts
    • Dynasty trusts
    • Charitable trusts & foundations
    • U.S. foreign grantor trusts
    • Canadian transnational trusts
    • Asset protection trusts
    • Insurance trusts
    • Employee benefit trusts
    • Litigation trusts
  • Executor & power of attorney trusts
  • Escrow services
  • English, French & Spanish­-speaking trust officers

Properly setting up and maintaining a corporation can be a lot of work. Drawing on our knowledge of structuring, taxation, reporting requirements, and governance, Cidel is ready to provide just the right level of support. As with everything we do, it’s all about understanding what’s required and tailoring a service to suit our clients.

 

Our corporate services include:

  • Manage incorporation process
  • Bookkeeping & accounting
  • Banking services
  • Multi-­jurisdictional planning
  • Registered office space
  • Corporate secretary
  • Oversight of an employee

(Note: These services may not be offered in all jurisdictions.)

While giving springs from the heart, giving wisely and well is more of a science. Like many of our clients, at Cidel we’re passionate about philanthropy. We also, however, understand the mechanics of charitable giving and are adept at managing the administrative and regulatory requirements of various charitable vehicles. We harmonize the details, so you can focus on the giving.

 

Our capabilities include the setup and ongoing administration of:

  • Private foundations
  • Public foundations
  • Donor-­advised funds

Think of this as a many-eggs/­many-baskets approach. By customizing a portfolio that includes multiple asset classes or types (i.e. stocks, fixed income, cash and alternative investments) from around the world, we are able to diversify the risk and finely tune our clients’ overall investment to meet their individual needs. It all begins with a careful discussion with you about your style and comfort level when it comes to investing.

A good equities strategy provides you with long­-term performance that easily outpaces inflation but also ensures your capital is available when you need it. Our approach is always to carefully research and find opportunities that offer superior returns while keeping a careful eye towards downside protection and relative safety in varied markets. With vast experience in global markets, our equity team is adept at matching our clients’ diverse needs with smart, stable equity strategies.

Our proprietary equity strategies are driven by the central belief that cash flow matters and that opportunities to provide superior long-term gain consistently arise because many investors dismiss its central importance to sustained investment success.  We execute this belief across a range of equity mandates including:

  • Global Equity
  • Canadian Total Return Equity
  • Canadian Opportunities Equity

Fixed income investors simply used to seek the safety of capital, low overall portfolio volatility, and a consistent income stream. While these rightly remain good objectives for most fixed income investors, today’s fixed income markets offer investors broader choice and greater opportunity. Selecting the right fixed income strategy for your portfolio is something we do exceptionally well. Given our expertise – we’ve been managing fixed income assets for pensions, public agencies and individuals for decades – our team has what it takes to deliver.

Cidel’s proprietary fixed income mandates use a broad-based approach that leverages multiple strategies, from interest rate anticipation, to appropriate yield curve positioning and issue selection, to add value. Our FI mandates include:

  • Total Return
  • Preferred Shares

In some client situations, delivering the right portfolio requires looking beyond more traditional strategies to help meet a client’s objectives. In such cases, our focus is on deploying strategies that are most likely to deliver desired returns, while lowering downside risk in the overall portfolio. Cidel can offer the diverse alternative solutions you require, while also carefully explaining if and where they might fit. Our access to great managers, and our ability to create customized portfolios, means clients get the best wealth management solutions – all in one convenient place.