Our investment approach is a singular focus on providing high income with comfortable stability, avoiding market fads and emotional biases. Research shows investors often make decisions based on emotions and biases and justify them with carefully selected evidence and logic. At Mirador, we rely on data-driven analysis, reducing the role of emotions and biases. We use diverse testing methods to navigate dynamic markets and make informed, objective investment choices based on this data.
Mirador is a latin work meaning "a turret, window, or balcony with a wide view"—a perfect reflection of our investment approach. Grounded in behavioral finance, we recognize that emotions often hinder investing success. Our solution? A systematic, data-driven strategy that provides a clear, unbiased view of markets and companies. Just the facts.
Technical analysis focuses strictly on price and volume. It is used in portfolio management to evaluate and forecast future prices based on historical price and volume data. It relies on the idea that historical price movements and patterns can provide insights into potential future price trends. History does not always repeat, but it often rhymes. Although Mirador’s focus is primarily on stability and income, modest price appreciation is a goal to maintain purchasing power in a world of persistent inflation.
While the above described trend-following assumes that prices will continue in the same direction, mean reversion suggests that prices will often become ahead of themselves and then return to a historical average or mean. Portfolio managers using mean reversion strategies aim to capitalize on price reversal opportunities.
Mirador is a direct Registrant with the Alberta Securities Commission (ASC) and other Canadian jurisdictions under the Canadian Securities “Passport System”. As such, we are held to the regulations set forth by the securities commission to ensure the security of your funds from corporate fraud or misuse and we are audited regularly to ensure our compliance. Following these regulations, we have no direct access to your accounts and we do not handle cash, deposits or transfers directly. Instead, RBC Investor Services (RBC IS) has been appointed as the custodian for Mirador accounts to hold your assets safely and provide various deposit, transfer, reporting, and administrative services. As a division of the Royal Bank, RBC IS is a very large and well managed corporation.
RBC IS uses a trust structure for the client accounts which effectively keeps anyone from using your capital for other purposes such as lending or capital market trading, which occurs extensively in other custodial and investment firms that do not have this trust account structure. Therefore, Mirador accounts are completely free of corporate misuse risk and in the unlikely event that RBC did fall into bankruptcy, the appointed receiver would transfer the trust accounts to another organisation for a relatively seamless continuity of security and management.
In addition to the security of your assets described above, the security regulators have detailed requirements to ensure that Mirador’s recommendations meet strict investor suitability requirements. The foundation of the suitability requirements are the Know Your Client (KYC) guidelines. To ensure that Mirador and its advisors provide suitable advice we need to first ensure that we know a client or prospective client well enough. Factors of the KYC guidelines that we need to know include such things as:
Age
Family Status
Occupation
At Mirador Corporation, we have a deep understanding of various financial aspects and market dynamics which allows us to help you navigate complex financial landscapes and stay abreast of the latest market trends and regulations.
As our client, you can turn to us for guidance on your investment decisions and financial plan. We consider all aspects of your financial life, including budgeting, debt management, investment planning, and risk mitigation. This comprehensive tailor-made approach ensures that no crucial element is overlooked in the pursuit of financial stability, and that your financial plan aligns precisely with your needs and aspirations – whether that’s buying a home or planning for retirement.
If you would like to effectively plan for your financial future, speak to a portfolio manager at Mirador Corporation in Calgary and join our investment firm today. Knowing that a qualified professional is overseeing and optimizing your financial affairs, allows you to focus on your life with confidence knowing that you are on the path to financial success.
For more information please reach out to us through our quick contact form.
We don’t shy away from embracing cutting-edge technology like AI. In fact, we have been using AI to help guide and optimize our investment strategies since the ‘90s. Our commitment to staying ahead involves the deployment of neural network research, where artificial intelligence is employed to analyze complex patterns and trends in financial markets. This forward-looking approach positions us at the forefront of innovation, enhancing our ability to make informed decisions in an ever-evolving landscape.
One way Mirador maintains its unbiased approach is via a unique fee structure. Clients are charged one fee that covers all custodial, portfolio management and wealth advisory services (if requested). Unlike any other firm we know of, at Mirador the transaction charges are not included in the buys and sells of the Mirador Income and Stability Fund. Instead, Mirador pays for these. As a firm dedicated to active management, these costs can be substantial. It is important to know that transaction costs will not reduce your portfolio results at Mirador the way they might at most other firms.
We do not have a published fee schedule. Because there are certain non-variable costs to managing any account of any size, our fees are lower for larger accounts. And, the fee we agree upon will be based on the ongoing service level you expect. If there are no financial planning or ongoing advisory services the fee will be less than our full service offering.
That being said, all clients will receive monthly statements from RBC IS and quarterly statements from Mirador. Mirador provides an enhanced annual reporting package covering results and tax information. And, all clients receive the quarterly portfolio and investment fund manager’s commentary and graphic details of the Mirador Income and Stability fund contents, results and activities.