Self-directed positions, each opened under a sealed memo.
The active layer of the system.
Institutional research, included. Normally $99/month.
The research layer of the system.
Connected by a permanent decision record.
Intelligent Investing operates on a flat monthly membership, combined with a minimal management fee on managed portfolios. $20 per month. Cancel anytime.
This structure is designed to align incentives with long-term outcomes, not activity.
Trades involving US securities may incur an FX conversion. Intelligent Investing does not charge an FX fee or apply an FX markup to member transactions. FX is executed at the rate displayed to members by a third-party partner, and in certain circumstances, Intelligent Investing may incur a gain or a loss on FX transactions. This does not increase the FX rate paid by members.
FX is not contingent on transaction volume or frequency, and does not incentivize increased trading activity. We do not charge trading commissions.
Every membership includes access to Fiscal.ai Max (normally $99/month), a professional-grade research and analysis environment. Most investors trade based on price and headlines. Serious investors analyze businesses. Fiscal.ai provides structured access to: Multi-year income statements, balance sheets, and cash flow data. Return on capital and free cash flow analysis. Margin trends and capital allocation history. Clean company comparisons across time.
It also includes AI-assisted tools to summarize filings, surface financial trends, and accelerate research workflows. The AI supports analysis. It does not make decisions.
This research layer exists to raise the standard of thinking inside the platform. It is not a stock picker. It is not a signal engine. It is not a shortcut. It is a disciplined research environment designed for investors who intend to do the work.
Access to Intelligent Investing’s core portfolios includes a 0.10% annual management fee on assets held in managed strategies. Applied only to managed portfolios. Calculated transparently. No performance fees.
This fee exists to cover portfolio management, rebalancing, custody and administration, and operational infrastructure. It is a fraction of what traditional wealth managers and funds charge.
Intelligent Investing operates through two regulated entities, an investment dealer and a portfolio manager, to provide different services. Each entity is separate and responsible only for the services it provides.
Yes. Membership is monthly. Cancel anytime.
TFSA and RRSP accounts.