Bold Wealth Hub
Welcome. This is your home for everything Bold Wealth. Sign in to see your accounts, or explore a few short guides on how we work with Bold Wealth Partners and Aviso Wealth—and what it means for you.
This page is for clients whose investment accounts are managed by Bold Wealth Partners. If your investments are held elsewhere, such as with an insurance company, our Client Services team is happy to point you in the right direction.
Account access
Sign in to your Addepar portal to see your balances, holdings, performance, statements, and tax documents.
Your sign-in page: boldwealth.addepar.com
New to Bold Wealth?
Five short reads, in the order most people find helpful. Each one takes just a few minutes.
What to expect as your accounts move—and what changes for you.
How Seven Elements, Bold Wealth Partners, and Aviso Wealth work together for you.
Setting up your login, what you’ll see, and what to do if you’re locked out.
Why account values move, and how to think about performance over time.
What you pay, what each fee covers, and how fees are charged.
Resources
Every guide in one place, for new and current Bold Wealth clients. Choose a topic, or search for what you need.
What to expect as your accounts move—and what changes for you.
How Seven Elements, Bold Wealth Partners, and Aviso Wealth work together for you.
Setting up your login, what you’ll see, and what to do if you’re locked out.
Why account values move, and how to think about performance over time.
RRSP, TFSA, FHSA, RESP, RRIF, and more—what each is for and how it is taxed.
Naming the right people, and keeping those details current.
Adding money, setting up regular contributions, and requesting a withdrawal.
What you pay, what each fee covers, and how fees are charged.
How we’ll always communicate with you, and simple ways to keep your accounts safe.
Your checklist, the key dates, and which slips to expect.
Common terms from your statements and the Client Hub, explained simply.
The questions we hear most often, with short answers.
Questions
New to Bold Wealth
It means your portfolio manager at Bold Wealth Partners has the authority to make day-to-day investment decisions for your portfolio, based on your goals and the strategy you’ve agreed to. You set the direction—they bring the expertise to manage the details.
During a transfer, you may receive statements from both your previous institution and Aviso Wealth. This is normal.
Working with your team
Always start with our Client Services team at 705-812-1322 or clientservices@sevenwealth.ca. We coordinate with Bold Wealth Partners and Aviso Wealth on your behalf whenever needed.
Bold Wealth Partners is your portfolio manager and provides your Addepar portal. Aviso Wealth is the custodian that securely holds your assets and processes transactions. We coordinate with both, so you only ever need to contact us.
You have the final say on your strategy and goals. Your portfolio manager at Bold Wealth Partners provides the investment advice and manages your portfolio day to day, and your advisor supports you and your financial plan.
Signing in to Addepar
Select “View Portal” in your invitation email within 14 days, then set your password.
Select “Forgot password” on the Addepar sign-in page. Still stuck? Contact our Client Services team.
Your account information is updated at the end of each business day, so there may be a short delay.
Your investment experience
Markets move daily. Fluctuation is normal and doesn’t necessarily mean your strategy has changed. If your goals or comfort with risk have changed, let us know.
Types of investment accounts
Registered accounts, such as RRSPs, TFSAs, FHSAs, RESPs, RRIFs, LIRAs, and LIFs, receive specific tax treatment. In a non-registered account, investment income and gains may be taxable.
Fees
Fees are deducted directly from your accounts each month, so you’ll see them on your account statements.
Investment management fees for non-registered accounts may be tax-deductible. Financial planning fees, and fees for registered accounts, generally are not. Your tax professional can confirm how this applies to you.
Contributions and withdrawals
Our Client Services team is always the starting point.
Most withdrawals take about five business days once we receive complete instructions. Timing may vary.
Yes. Please allow at least five business days to start, stop, or change a scheduled contribution.
Beneficiaries and trusted contacts
Contact our Client Services team. We’ll prepare the paperwork and guide you through it.
A trusted contact person is someone we may contact if we can’t reach you or have concerns about your well-being. They can’t make decisions or transactions on your account. Naming one isn’t required, but we recommend it.
Security and fraud
Contact our Client Services team right away at 705-812-1322 or clientservices@sevenwealth.ca. Don’t wait to see if it resolves on its own.
Tax season
Slips are issued on different schedules, generally between February and March. We recommend waiting until all expected documents arrive before filing.
Yes. With your authorization, we’ll provide copies directly to them.
Contact
Questions, banking updates, contributions, withdrawals, and beneficiary changes all start with our Client Services team.
Getting started
Feel at ease as your accounts move. Here’s what to expect, step by step, and how the way your investments are managed will change.
You may be used to an advisor recommending individual investments, such as mutual funds, and asking for your approval before each trade. With Bold Wealth Partners, your portfolio is managed on a discretionary basis. Here’s what that means for you.
Timing
Most accounts are opened within approximately two weeks of submission to Aviso Wealth. Once your accounts are funded, you’ll begin to see your investments and account details in your Addepar portal.
During the transfer, you may receive statements from both your previous institution and Aviso Wealth. This is normal.
Important Information
This material is provided for general informational purposes to help clients understand the services and processes involving Seven Elements Wealth Planning Inc. and Bold Wealth Partners Inc. It does not constitute personalized investment, tax, legal, or insurance advice. Services and processes may vary depending on individual circumstances.
Seven Elements Wealth Planning Inc. and Bold Wealth Partners Inc. are separate firms with distinct responsibilities. Seven Elements provides financial planning and client relationship support, while Bold Wealth Partners provides discretionary portfolio management services under its agreements with clients.
Investment account opening is subject to Bold Wealth Partners’ review, approval, and applicable client agreements and disclosures. Seven Elements assists with coordinating the process but does not independently approve investment accounts or exercise discretionary investment authority.
All investments involve risk, including the potential loss of capital. Investment values and returns may fluctuate, and past performance does not guarantee future results. Portfolio management decisions are made by Bold Wealth Partners in accordance with applicable client agreements and investment mandates.
Investment assets are held with the custodian identified in the applicable account documentation and are not held directly by Seven Elements Wealth Planning Inc. Custody arrangements and any applicable investor protection coverage depend on the institution and account involved.
Account statements, performance reporting, tax documents and online access are provided in accordance with the arrangements established by Bold Wealth Partners and the applicable custodian. Availability and reporting frequency may vary by account.
Account eligibility, available account types, transfer options, processing timelines and applicable charges are subject to confirmation by Bold Wealth Partners and the relevant financial institutions.
Questions about this? Contact our Client Services team at 705-812-1322 or clientservices@sevenwealth.ca.
Getting started
Enjoy the ease of one point of contact. Behind the scenes, a team of specialists works together to support your plan—and your story.
Your first call is always our team at Seven Elements. Behind the scenes, three organizations work together so every part of your plan stays connected.
How decisions are made
You’re at the centre of every decision about your investments, and the final say on your strategy is always yours. Your portfolio manager at Bold Wealth Partners provides the investment advice and manages your portfolio day to day. Your advisor is here to support you and your financial plan along the way.
We offer regular reviews of your accounts. Each one is tailored to you and may cover your portfolio, retirement progress, financial priorities, insurance coverage, estate planning, and any significant life changes.
Good to know
Questions, banking updates, contributions, withdrawals, and beneficiary changes all start with our Client Services team. Most requests are completed within about five business days.
Important Information
This material is provided for general informational purposes to help clients understand the services and processes involving Seven Elements Wealth Planning Inc. and Bold Wealth Partners Inc. It does not constitute personalized investment, tax, legal, or insurance advice. Services and processes may vary depending on individual circumstances.
Seven Elements Wealth Planning Inc. and Bold Wealth Partners Inc. are separate firms with distinct responsibilities. Seven Elements provides financial planning and client relationship support, while Bold Wealth Partners provides discretionary portfolio management services under its agreements with clients.
Investment assets are held with the custodian identified in the applicable account documentation and are not held directly by Seven Elements Wealth Planning Inc. Custody arrangements and any applicable investor protection coverage depend on the institution and account involved.
Account statements, performance reporting, tax documents and online access are provided in accordance with the arrangements established by Bold Wealth Partners and the applicable custodian. Availability and reporting frequency may vary by account.
Questions about this? Contact our Client Services team at 705-812-1322 or clientservices@sevenwealth.ca.
Getting started
Your first look at the Addepar portal is the start of seeing your full financial story in one place—clearly, and on your own time.
If your invitation doesn’t arrive
Check your junk or spam folder first. If it isn’t there, contact our Client Services team and we’ll have it resent.
Timing and updates
Your account information is updated from the custodian at the end of each business day, so there may be a short delay between what you see in Addepar and your current holdings.
Go to the Addepar sign-in page and select “Forgot password.” You’ll be guided through the reset right on the site.
Good to know
Still having trouble, or does something look off? Contact our Client Services team and we’ll walk you through the next steps.
Important Information
This material is provided for general informational purposes to help clients understand the services and processes involving Seven Elements Wealth Planning Inc. and Bold Wealth Partners Inc. It does not constitute personalized investment, tax, legal, or insurance advice. Services and processes may vary depending on individual circumstances.
Account statements, performance reporting, tax documents and online access are provided in accordance with the arrangements established by Bold Wealth Partners and the applicable custodian. Availability and reporting frequency may vary by account.
Questions about this? Contact our Client Services team at 705-812-1322 or clientservices@sevenwealth.ca.
Your investments
Feel confident through the ups and downs. Investing is a long-term journey, and changes in market value are a natural part of it.
Your portfolio is managed by your portfolio manager at Bold Wealth Partners and built around both your short- and long-term goals, following the strategy you’ve agreed to. Here’s what to keep in mind when you check your account in Addepar or read your statements.
Markets move every day in response to economic, business, and world events. It’s normal to see your account value rise and fall from one day, month, or quarter to the next—and it doesn’t mean your strategy has changed.
Your portfolio is shaped by your goals, your time horizon, and your comfort with risk, and it’s managed with your plan in mind rather than short-term headlines.
Your investments aren’t a set-and-forget arrangement. Your portfolio manager invests your assets according to your strategy and keeps your portfolio aligned with it over time. As your life evolves—a new career chapter, a growing family, retirement coming into view—your goals may shift, and your strategy can evolve with them.
Any change to your strategy is your decision, made with advice from your portfolio manager and support from your advisor. Keeping us up to date on what’s happening in your life helps make sure your portfolio continues to reflect the story you’re building.
The most meaningful way to measure progress is against your goals, over a time frame that fits them. A single month, or even a single year, rarely tells the whole story.
Good to know
Questions are always welcome. If something in your account or statements doesn’t make sense, or your circumstances have changed, reach out. We’re here to help you feel confident about where you are and where you’re headed.
Important Information
This material is provided for general informational purposes to help clients understand the services and processes involving Seven Elements Wealth Planning Inc. and Bold Wealth Partners Inc. It does not constitute personalized investment, tax, legal, or insurance advice. Services and processes may vary depending on individual circumstances.
All investments involve risk, including the potential loss of capital. Investment values and returns may fluctuate, and past performance does not guarantee future results. Portfolio management decisions are made by Bold Wealth Partners in accordance with applicable client agreements and investment mandates.
Questions about this? Contact our Client Services team at 705-812-1322 or clientservices@sevenwealth.ca.
Your investments
Whether you’re saving for retirement, working toward a first home, funding a child’s education, or building long-term wealth, the right account helps your plan take shape.
Each type of account is designed for a different goal or stage of life. Here’s a quick look at the accounts you may hold.
| Account | Who it’s for | Tax treatment | Good to know |
|---|---|---|---|
| Non-registered accounts | |||
| Non-registered | Individuals, joint owners, or in trust for (ITF) | Investment income and capital gains may be taxable. | No annual contribution limit. |
| Corporate | Incorporated businesses | Income may be subject to corporate tax, depending on circumstances. | Held in the corporation’s name. |
| Registered savings accounts | |||
| TFSA | Canadian residents 18 and older | Contributions aren’t deductible; growth and qualifying withdrawals are generally tax-free. | Unused room carries forward; withdrawals are added back to your room the following year. |
| FHSA | First-time home buyers, 18 to 71 | Contributions are generally deductible; qualifying withdrawals for a first home are generally tax-free. | Combines RRSP and TFSA features; unused room can carry forward, within limits. |
| RESP | Anyone saving for a child’s education | Contributions aren’t deductible; earnings grow tax-deferred. | May qualify for government education grants. |
| RRSP | Canadian residents with earned income | Contributions are deductible; growth is tax-deferred; withdrawals are taxed as income. | You can contribute until the end of the year you turn 71. |
| LIRA | Pension funds transferred from a former employer’s plan | Grows tax-deferred; withdrawals, when permitted, are taxed as income. | Generally locked in until retirement; limited exceptions may apply. |
| Retirement income accounts | |||
| RRIF | Converted from an RRSP | Withdrawals are taxed as income. | An RRSP must be converted by the end of the year you turn 71. A minimum withdrawal is required each year; there’s no maximum. |
| LIF | Converted from a LIRA or pension | Withdrawals are taxed as income. | Subject to both a minimum and a maximum annual withdrawal. |
Keep in mind
Rules and limits vary by account and are set by the CRA and pension legislation. Not sure which account fits your goals? Your advisor can help.
Important Information
This material is provided for general informational purposes to help clients understand the services and processes involving Seven Elements Wealth Planning Inc. and Bold Wealth Partners Inc. It does not constitute personalized investment, tax, legal, or insurance advice. Services and processes may vary depending on individual circumstances.
Account eligibility, available account types, transfer options, processing timelines and applicable charges are subject to confirmation by Bold Wealth Partners and the relevant financial institutions.
Questions about this? Contact our Client Services team at 705-812-1322 or clientservices@sevenwealth.ca.
Managing your accounts
Enjoy the peace of mind that comes from knowing the right people are named—and that your wishes are clear.
Keeping your beneficiary designations current is an important part of your overall estate plan. We recommend reviewing them after any major life event, such as marriage, separation, the birth of a child or grandchild, or the death of a beneficiary.
Depending on the account, you may be asked to name:
RESPs work a little differently: the child or grandchild named on the plan is its beneficiary from the start. To add, update, or review a designation, contact our Client Services team and we’ll guide you through it.
Keep in mind
Beneficiary designations may take precedence over your Will, depending on the account and provincial law. Bold Wealth Partners and Aviso Wealth don’t provide legal or estate advice, so check with your lawyer or estate professional that your designations and Will work together.
A trusted contact person is someone you authorize us to contact if we can’t reach you, or if we have concerns about your well-being or possible financial exploitation.
They don’t have access to your account and can’t make decisions or transactions on your behalf. Naming one isn’t required, but we recommend it. Contact our Client Services team to add or update yours.
Keep in mind
A trusted contact person isn’t a power of attorney, executor, or beneficiary, and has no authority over your account. We’ll only contact them in limited circumstances permitted by law and privacy rules.
Important Information
This material is provided for general informational purposes to help clients understand the services and processes involving Seven Elements Wealth Planning Inc. and Bold Wealth Partners Inc. It does not constitute personalized investment, tax, legal, or insurance advice. Services and processes may vary depending on individual circumstances.
Questions about this? Contact our Client Services team at 705-812-1322 or clientservices@sevenwealth.ca.
Managing your accounts
Adding to your investments or making a withdrawal should feel simple. Our Client Services team is here to take care of the details.
To make a contribution or withdrawal, contact our Client Services team. We’ll coordinate with your advisor and Bold Wealth Partners’ Portfolio Management team, prepare any required paperwork, and keep you updated along the way.
For your security, transactions are processed using the bank account linked to your investment account. If your banking information has changed, please let us know before requesting a contribution or withdrawal.
Starting, stopping, or changing a scheduled contribution
Please allow at least five business days to start, stop, or change a scheduled contribution. Let us know as early as possible so we can coordinate the update for you.
Contact our Client Services team to request a withdrawal. We’re always happy to walk you through timing and next steps.
Good to know
Because your money is invested, a withdrawal takes a few steps before funds reach your bank account. Most requests are completed within five business days of receiving complete instructions, although timing can vary depending on the investment and the nature of the request.
Important Information
This material is provided for general informational purposes to help clients understand the services and processes involving Seven Elements Wealth Planning Inc. and Bold Wealth Partners Inc. It does not constitute personalized investment, tax, legal, or insurance advice. Services and processes may vary depending on individual circumstances.
Account eligibility, available account types, transfer options, processing timelines and applicable charges are subject to confirmation by Bold Wealth Partners and the relevant financial institutions.
Questions about this? Contact our Client Services team at 705-812-1322 or clientservices@sevenwealth.ca.
Your investments
Feel confident knowing what you pay and why. Your fees cover your financial plan and the professional management of your portfolio.
Your fees are made up of two parts: a financial planning fee and a portfolio management fee. Both are a percentage of your account assets and are deducted directly from your accounts.
Your financial planning fee is 1.00% per year, as set out in your account documents. Your portfolio management fee is tiered, based on your total account assets:
| Total account assets | Portfolio management fee |
|---|---|
| Below $2,000,000 | 0.30% |
| $2,000,000 and above | 0.25% |
| $5,000,000 and above | 0.20% |
All rates are annual and calculated before applicable taxes.
Good to know
Investment management fees for non-registered accounts may be tax-deductible. Financial planning fees, and fees for registered accounts, generally are not. Your tax professional can confirm how this applies to you.
Important Information
This material is provided for general informational purposes and does not constitute personalized investment, tax, legal, or insurance advice. Fees and services may vary based on individual circumstances and applicable agreements. Full details of investment management fees, financial planning compensation, and other applicable charges are provided in Bold Wealth Partners’ client documentation and any required referral arrangement disclosures.
Questions about this? Contact our Client Services team at 705-812-1322 or clientservices@sevenwealth.ca.
Managing your accounts
Your security matters to us. Here’s how we’ll always communicate with you, and a few simple habits that help keep your accounts safe.
Something doesn’t feel right?
Call us at 705-812-1322 or email clientservices@sevenwealth.ca. There’s never any harm in checking, and we’re always happy to help.
You can also reach the Canadian Anti-Fraud Centre at 1-888-495-8501 or antifraudcentre-centreantifraude.ca.
Important Information
This material is provided for general informational purposes to help clients understand the services and processes involving Seven Elements Wealth Planning Inc. and Bold Wealth Partners Inc. It does not constitute personalized investment, tax, legal, or insurance advice. Services and processes may vary depending on individual circumstances.
Investment assets are held with the custodian identified in the applicable account documentation and are not held directly by Seven Elements Wealth Planning Inc. Custody arrangements and any applicable investor protection coverage depend on the institution and account involved.
Questions about this? Contact our Client Services team at 705-812-1322 or clientservices@sevenwealth.ca.
Tax and reference
Enjoy a calmer tax season. Throughout the year, your investment accounts may generate tax documents you’ll need when filing your return.
| Time of year | What happens |
|---|---|
| January | Your new annual TFSA contribution room becomes available. |
| January to early March | RRSP contributions for the previous year can be made until the deadline, 60 days after year-end. |
| February to March | Tax documents become available as they are issued. |
| April | Personal tax filing deadline—generally April 30. Any balance owing is also due. |
| June 15 | Filing deadline if you or your spouse or common-law partner are self-employed. Any balance owing is still due April 30. |
| Six months after year-end | Corporate tax return (T2) due for incorporated business owners—June 30 for a December 31 year-end. Corporate tax owing is generally due sooner. |
| Document | Issued if | What it reports |
|---|---|---|
| RRSP receipt | You contributed to an RRSP during the year, or in the first 60 days of the next. | Your RRSP tax deduction. |
| T3 | Trust income or fund distributions in a non-registered account. | Investment income and distributions. |
| T5 | Taxable investment income in a non-registered account. | Interest, dividends, and other income. |
| T5008 | Securities were sold in a non-registered account. | Sales, for your accountant’s use. |
| T4RIF | You received RRIF payments. | Taxable income received. |
| Fee report | You hold a non-registered account. | Fees paid during the year. |
Good to know
Slips arrive on different schedules, and not every account receives every slip. Making sure you have all your documents before filing is your responsibility, and we’re always happy to help find one that seems to be missing.
Important Information
This material is provided for general informational purposes to help clients understand the services and processes involving Seven Elements Wealth Planning Inc. and Bold Wealth Partners Inc. It does not constitute personalized investment, tax, legal, or insurance advice. Services and processes may vary depending on individual circumstances.
Account statements, performance reporting, tax documents and online access are provided in accordance with the arrangements established by Bold Wealth Partners and the applicable custodian. Availability and reporting frequency may vary by account.
Questions about this? Contact our Client Services team at 705-812-1322 or clientservices@sevenwealth.ca.
Tax and reference
Common terms you’ll see throughout the Client Hub and your account documents, explained simply.
Investing
Accounts
Administration
People
Tax
Important Information
This material is provided for general informational purposes to help clients understand the services and processes involving Seven Elements Wealth Planning Inc. and Bold Wealth Partners Inc. It does not constitute personalized investment, tax, legal, or insurance advice. Services and processes may vary depending on individual circumstances.
Questions about this? Contact our Client Services team at 705-812-1322 or clientservices@sevenwealth.ca.
Tax and reference
The questions we hear most often, answered simply. For the full story on any topic, see the related guide.
Important Information
This material is provided for general informational purposes to help clients understand the services and processes involving Seven Elements Wealth Planning Inc. and Bold Wealth Partners Inc. It does not constitute personalized investment, tax, legal, or insurance advice. Services and processes may vary depending on individual circumstances.
Seven Elements Wealth Planning Inc. and Bold Wealth Partners Inc. are separate firms with distinct responsibilities. Seven Elements provides financial planning and client relationship support, while Bold Wealth Partners provides discretionary portfolio management services under its agreements with clients.
All investments involve risk, including the potential loss of capital. Investment values and returns may fluctuate, and past performance does not guarantee future results. Portfolio management decisions are made by Bold Wealth Partners in accordance with applicable client agreements and investment mandates.
Fees and services may vary based on individual circumstances and applicable agreements. Full details of investment management fees, financial planning compensation, and other applicable charges are provided in Bold Wealth Partners’ client documentation and any required referral arrangement disclosures.
Investment assets are held with the custodian identified in the applicable account documentation and are not held directly by Seven Elements Wealth Planning Inc. Custody arrangements and any applicable investor protection coverage depend on the institution and account involved.
Account statements, performance reporting, tax documents and online access are provided in accordance with the arrangements established by Bold Wealth Partners and the applicable custodian. Availability and reporting frequency may vary by account.
Questions about this? Contact our Client Services team at 705-812-1322 or clientservices@sevenwealth.ca.