Gestion de patrimoine ASF

What Gestion de patrimoine ASF does

Gestion de patrimoine ASF is a privately held, independent wealth management and insurance advisory firm headquartered at 2100 boulevard de Maisonneuve Est, Bureau 205, Montréal, Québec. Founded in 2014 and operated by a three-advisor team (President Michel-Olivier Marcoux, Vice-President Bruno Ballarano, Director of Insurance Charles-Antoine Faubert), the firm targets affluent individuals and households in Quebec with significant investable assets, delivering personalized wealth-accumulation and wealth-protection strategies across insurance and investment products. As of the latest disclosed metrics, the firm serves more than 1,000 clients and has logged more than 15 consecutive years at the top of the Finance et Investissement ranking through its brokerage affiliation.

The product surface spans two pillars. Under insurance: life, disability, critical illness, mortgage, and travel coverage plus debt-protection and business-partner insurance strategies. Under investment: registered vehicles (REER/FERR, CÉLI, REEE, REEI, CÉLIAPP) and non-registered accounts, populated via mutual funds, exempt-market products, segregated funds, alternative funds (added 2022), GICs, annuities, and corporate-class or capital-dividends account (CDC) structures, alongside responsible investing and private wealth management services. All securities products are distributed through the firm's brokerage affiliation with MICA Capital Inc., the regulated infrastructure partner; insurance is offered through separate channels. The firm does not operate a digital platform, mobile app, or proprietary technology stack — service delivery is in-person, by appointment, at the Montreal office.

Revenue is generated exclusively on a commission basis: front- and trailing-load commissions on financial products sold (mutual funds, exempt market, segregated funds, GICs, annuities) plus insurance commissions. Pricing is quote-based and not publicly disclosed. Go-to-market is sales-led and relationship-driven, supported by an unusually high-profile content and media footprint for a three-person practice: a monthly newsletter, regular blog content, recurring television and radio appearances (MaTV Rive-Sud, MaTV Laval, CHOC FM, CFIM), press coverage across TVA, Radio-Canada, LCN, and the Journal de Montréal, and two published books authored by the President. The firm does not advertise funding, external investment, M&A activity, or any AI/ML capability, and operates within a single geography (Quebec, Canada) from one physical location.

Name

Gestion de patrimoine ASF

Legal name

Gestion de patrimoine ASF

Website

https://gestionasf.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

Short description

Gestion de patrimoine ASF is an independent, Montreal-based wealth management and insurance advisory firm founded in 2014, serving 1,000+ affluent Quebec clients through a three-advisor team and commission-based distribution of insurance, mutual funds, exempt-market products, and alternative funds via MICA Capital Inc.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Finance and Insurance (52), Open-End Investment Funds (525910)

SIC

Security Brokers, Dealers & Flotation Companies (6211), Life Insurance (6311)

akta.pro industry

PRIMARYFSAEABAA

Registered Investment Advisor (RIA) Wealth Management

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Wealth & Retirement Advisory

SECONDARYFSAAACAA

Comprehensive/Full-Service RIAs & Independent Wealth Managers

Financial & Insurance/Asset & Wealth Management/Registered Investment Advisors (RIAs) & Independent Wealth Managers

SECONDARYFSAAAAAJ

Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail)

Financial & Insurance/Asset & Wealth Management/Retail & Mass-Affluent Wealth Management

Keywords

• Wealth management services
• Financial advisory services
• Insurance products distribution
• Retirement planning services
• Investment portfolio management

Headquarters

HQ city

Montréal

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Financial Product Commissions: Revenue generated through commissions on financial products sold to clients, including mutual funds, exempt market products, segregated funds, guaranteed products (GICs), and annuities. Products offered through MICA Capital inc. brokerage house.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Gestion de patrimoine ASF is an independent wealth management and insurance advisory firm that helps clients grow and protect their assets through personalized financial planning. It distributes investment vehicles (mutual funds, exempt market products, segregated funds, alternative funds, GICs, annuities) and insurance products (life, disability, critical illness, mortgage, travel) through the MICA Capital Inc. brokerage house, alongside registered account strategies (REER, FERR, CELI, REEE, REEI, CELIAPP) and private wealth management.

Product overview

Gestion de patrimoine ASF is an independent wealth management firm offering a comprehensive suite of financial products and services. The company operates through two main pillars: insurance products (life, disability, critical illness, mortgage, and travel insurance) and investment products (registered accounts like REER, FERR, CÉLI, REEE, REEI, CÉLIAPP, plus non-registered investment accounts). Investment vehicles include mutual funds, exempt market products, segregated funds, alternative funds, GICs, and annuities. The firm also provides specialized strategies including private wealth management, socially responsible investing, corporate-class funds, and tax optimization. As an independent firm unaffiliated with major financial institutions, they can select products best suited to each client's needs. Services are delivered through MICA Capital Inc. brokerage house.

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance vie (Life Insurance) Life insurance product to protect family members or business partners in case of death.
• Assurance invalidité (Disability Insurance) Disability insurance providing income protection if the insured becomes unable to work.
• Assurance maladie grave (Critical Illness Insurance) Critical illness insurance offering financial support upon diagnosis of specified serious conditions.
• Assurance hypothécaire (Mortgage Insurance) Mortgage insurance protecting against default due to death, disability, or critical illness.
• Assurance voyage (Travel Insurance) Travel insurance providing coverage for medical emergencies and trip-related issues abroad.
• Mutual Funds (Fonds communs de placement) Mutual funds managed professionally, offering diversification and accessibility for retail investors.
• Exempt Market Products (Marché dispensé) Exempt market investments providing access to securities not available on public markets.
• Segregated Funds (Fonds distincts) Segregated funds offered through insurance contracts, with capital protection features.
• Alternative Funds (Fonds alternatifs) Alternative funds offering exposure to non-traditional asset classes and strategies.
• Guaranteed Investment Products (CPG/GICs) Guaranteed Investment Products (GICs) providing principal protection with guaranteed returns.
• Annuities (Rentes) Annuity products providing guaranteed income streams for retirement.
• Registered Retirement Savings Plan (REER/RRSP) and RRIF (FERR) Registered Retirement Savings Plan (RRSP) and Registered Retirement Income Fund (RRIF) for retirement savings and income.
• Tax-Free Savings Account (CELI/TFSA) Tax-Free Savings Account (TFSA) for flexible, tax-advantaged savings.
• Registered Education Savings Plan (REEE/RESP) Registered Education Savings Plan (RESP) for saving toward children's post-secondary education.
• Registered Disability Savings Plan (REEI/RDSP) Registered Disability Savings Plan (RDSP) for long-term savings for individuals with disabilities.
• First Home Savings Account (CELIAPP/FHSA) First Home Savings Account (FHSA) for first-time home buyers to save tax-free.
• Non-Registered Investment Account (Compte d'investissement) Open investment account (non-registered) providing flexible access to various investment products.
• Private Wealth Management (Gestion privée) Private wealth management service providing personalized portfolio construction and management.
• Responsible Investing (Investissement responsable) Socially responsible investing (SRI) considering environmental, social, and governance (ESG) factors.
• Corporate Class Funds (Fonds à structure corporative) Corporate class fund structure offering tax advantages for incorporated investors.
• Capital Dividends Account (CDC) Strategy Capital dividends account strategy for businesses to optimize tax-efficient dividend distributions.
• Tax Optimization Strategy (Optimisation fiscale) Tax optimization strategies for insurance planning and wealth protection.
• Business Partnership Insurance (Assurance pour partenaires d'affaires) Business partnership insurance protecting against death or disability of business partners.
• Debt Protection Insurance (Protection des emprunts) Debt protection insurance covering outstanding loans in case of death or disability.

Quantifiable outcome

• 290% more assets accumulated by households using financial advisors for 15+ years vs. non-advisor investors

Named customers6 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• MICA Capital Inc.coreChannel Partner/ Reseller/ Distributor · 1 January 2014MICA Capital inc. is the brokerage house through which Gestion de patrimoine ASF offers mutual funds and exempt market products. This partnership provides access to a wide range of financial products and regulatory infrastructure. The company has been affiliated with MICA since 2014 and has been recognized among the top 40 MICA advisors for 15+ consecutive years.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• Wealthsimple: Canadian digital wealth and advice platform offering low-fee managed portfolios, advice, and self-directed investing - represents the emerging digital-native competitor ASF must defend against for younger and emerging-affluent segments.

Regional players

• iA Financial Group (Industrial Alliance): Québec-based insurer and wealth manager with individual insurance and investment products distributed through affiliated advisors; highly comparable given shared Quebec DNA and insurance-plus-wealth offering.

Broad incumbents

• RBC Wealth Management: Bank-owned wealth advisory franchise in Quebec serving affluent and HNW clients with planning, investment, and credit services - sets the upper-end competitive benchmark ASF's private wealth offering is benchmarked against.
• Edward Jones Canada: Large Canadian branch-based advisor network delivering personalized financial planning, mutual funds, and insurance to retail investors nationwide; directly comparable advisor-led, consultative model targeting Main Street affluents.
• Manulife Wealth & Insurance (Quebec advisors): National carrier with affiliated advisors in Quebec offering life insurance, segregated funds, and wealth solutions through an advisor channel that mirrors ASF's product mix and commission economics.
• IG Wealth Management (IGM Financial): One of Canada's largest independent wealth management firms (formerly Investors Group) offering mutual fund and insurance solutions through a national advisor network; serves the same retail/mass-affluent segment with comparable products.
• BMO Nesbitt Burns Wealth Management: Bank-owned wealth advisory arm with strong Quebec/Corporate Canada presence offering mutual funds, GICs, and insurance-anchored planning through affiliated advisors, competing for the same mass-affluent and HNW clients.
• Desjardins Wealth Management: Cooperative-owned wealth and insurance advisory network with very strong Quebec footprint, offering mutual funds, insurance, and planning services to retail and mass-affluent clients - the dominant local incumbent ASF competes with.
• CI Private Wealth / CI Wealth (CI Financial): Large Canadian wealth manager with independent advisor and discretionary managed-solutions offerings; competes for the same affluent segment with similar product breadth across funds, ETFs, and insurance-anchored strategies.

Direct peers

• National Bank Financial: Quebec-headquartered wealth advisory arm of National Bank of Canada offering personalized portfolio management and financial planning to affluent clients in the same regional market with a similar advisor-led, product-agnostic value proposition.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/gestion-de-patrimoine-asf

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Gestion de patrimoine ASF