SFL Gestion de Patrimoine

What SFL Gestion de Patrimoine does

SFL Gestion de Patrimoine (also known as SFL Wealth Management) is a Canadian wealth management firm operating as a licensed "Partner of Desjardins." The firm is a trade name of Desjardins Financial Worldsource Wealth Management Inc., an entity wholly owned by Mouvement Desjardins, the largest financial cooperative in North America. SFL delivers comprehensive financial planning — including mutual funds, securities brokerage, insurance, retirement planning, estate planning, and tax planning — through a network of independent partnered advisors who operate from 17+ physical financial centres across Quebec (Quebec City, Montreal, Laval, Sherbrooke, Drummondville, Saguenay, Rimouski, Gatineau, Rouyn-Noranda, Val-d'Or, Trois-Rivières, Lévis, Brossard, Rivière-du-Loup, Gaspé) and one in New Brunswick (Dieppe). Customers are primarily individual investors and families, with a secondary segment of real estate owners seeking integrated wealth management.

The firm's core product is a multi-provider shelf of 70+ mutual fund companies and approximately 20 insurance providers (including Desjardins Insurance), enabling open-architecture advice through licensed mutual fund representatives and securities brokerage investment advisors. Revenue is generated through transaction-based commissions on these investment and insurance products, with a supporting multidisciplinary team of financial planners, tax specialists, and legal professionals. The underlying technology stack consists of a digital advisory platform with the Investor Hub client portal (investor-hub.ca), a corporate website secured with 128-bit SSL encryption, and cookie-based personalization; no proprietary AI/ML capabilities are disclosed.

SFL combines a direct-to-consumer motion (financial-centre walk-ins, website lead capture, Investor Hub self-service) with an enterprise-style field sales model where independent advisors build their own client books under SFL and Desjardins branding. Marketing channels include LinkedIn, Facebook (SFL Carrière), YouTube (SFL Communaute), and an educational News and Insights blog. The firm is regulated by the Canadian Investment Regulatory Organization (CIRO) and is a member of the Canadian Investor Protection Fund (CIPF). It is privately held, does not publicly disclose revenue, and has no external venture or private equity ownership.

Name

SFL Gestion de Patrimoine

Legal name

Desjardins Financial Worldsource Wealth Management Inc.

Website

https://sfl.qc.ca

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

SFL Gestion de Patrimoine is a Quebec-based wealth management firm and licensed Partner of Desjardins that delivers financial planning, investment advisory, and insurance services through a network of independent partnered advisors operating from 17+ financial centres across Quebec and New Brunswick.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394), Other Financial Investment Activities (5239)

SIC

Investment Advice (6282), Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

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

akta.pro secondary industry

Private Banking & UHNW Wealth Advisory (FSAEABAC)

Keywords

• Wealth management services
• Independent financial advisory
• Mutual fund distribution
• Insurance brokerage services
• Retirement and estate planning

Headquarters

HQ city

Quebec City

HQ country

Canada

HQ region

North America

Offices18 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Investment Advisory and Securities Brokerage: SFL Gestion de Patrimoine advisors offer mutual fund products through representatives and securities brokerage products through investment advisors. Revenue is generated through advisory fees and product commissions from the multi-provider shelf of over 70 fund companies.
2. Insurance Products: Advisors provide insurance solutions through the company's network of approximately 20 insurance providers, earning commissions on insurance products sold.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

SFL Gestion de Patrimoine is a wealth management network that distributes mutual funds, securities, and insurance products through independent financial security advisors. Services cover investment advisory, retirement planning, estate planning, tax planning, and insurance brokerage, with multi-provider access to 70+ fund companies and 20+ insurance providers. Advisors deliver these services in person at financial centres across Quebec and New Brunswick and through the Investor Hub online portal, all under the Desjardins partnership banner.

Product overview

SFL Gestion de Patrimoine is a wealth management firm and Partner of Desjardins that operates as a network of independent financial security advisors. The company offers a comprehensive suite of financial products and services including mutual funds (accessing over 70 fund companies), insurance products (life, disability from approximately 20 providers including Desjardins), investment advisory, retirement planning, estate planning, and tax planning. Services are delivered through a network of partnered advisors operating from multiple financial centres across Quebec and New Brunswick, supported by the infrastructure and resources of Desjardins, North America's leading financial cooperative. The company also provides an online Investor Hub portal for client account access.

Differentiator

Problem solved

Functional benefit

Products and services

• Mutual Funds (Fonds communs de placement) Mutual fund products offered through in-house representatives, with access to over 70 fund companies on the multi-provider shelf. Designed for individual investors building diversified investment portfolios.
• Insurance Products (Produits d'assurance) Life, disability, and other insurance products offered through partnered advisors, with access to approximately 20 insurance providers including Desjardins Insurance. Designed to protect individuals and families against financial risks.
• Investment Advisory Services Comprehensive wealth management and financial advisory services provided by independent financial security advisors across Quebec and New Brunswick.
• Retirement Planning (Planification de la retraite) Retirement savings and income planning services including RRSPs and retirement capital management. Designed for individuals and families preparing for retirement.
• Estate Planning (Planification successorale) Estate and succession planning services to help clients transfer wealth to loved ones. Designed for individuals and families with intergenerational wealth transfer needs.
• Tax Planning (Planification fiscale) Tax planning services integrated with financial planning to optimize client outcomes. Designed for individuals and families seeking tax-efficient wealth strategies.
• Investor Hub Portal Online client portal for existing investors to access and manage their investment portfolios with SFL.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Desjardins Sécurité financière (Desjardins Financial Security)coreStrategic or Co-development PartnerSFL Gestion de patrimoine operates as 'Partenaire de Desjardins' (Partner of Desjardins), backed by Desjardins Sécurité financière. The company benefits from the strength, reputation, and resources of the Desjardins cooperative financial group while maintaining independent advisor operations.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• Wealthsimple: Canadian digital wealth management platform offering low-fee investing, robo-advisory, and self-directed accounts. Comparable to SFL as a retail wealth management provider serving Canadian mass-affluent clients, but competes via a direct-to-consumer digital model versus SFL's advisor-led network.
• Questwealth (Questrade): Canadian online brokerage and digital wealth advisory offering low-cost investing and portfolio management. Comparable to SFL in serving Canadian retail investors with diversified wealth solutions, but uses a digital-first model that pressures traditional advisor-led economics.

Direct peers

• Manulife Wealth: Manulife's Canadian wealth management arm combining Manulife Securities and Manulife Investments. Comparable to SFL as it distributes mutual funds, advisory services, and insurance through financial advisors across Canada, with similar transaction-fee and advisory-fee revenue mix.
• CIBC Imperial Service / Wood Gundy: CIBC's wealth advisory networks offering mutual funds, securities brokerage, and financial planning. Comparable to SFL as a full-service Canadian wealth advisory dealer serving individuals and families with comprehensive financial planning.
• IG Wealth Management: Canadian retail wealth management subsidiary of iA Financial Group with a national advisor network and multi-provider product shelf. Closely comparable business model to SFL: independent financial security advisors serving mass-affluent and affluent households with mutual funds, securities, and insurance.
• Edward Jones Canada: National Canadian branch-based wealth advisory network serving individual investors with mutual funds, securities, and financial planning. Comparable to SFL's advisor-led, financial-centre distribution model targeting mass-affluent households.
• National Bank Financial Wealth Management: National Bank of Canada's wealth division, with strong Quebec retail presence and a network of financial advisors. Directly comparable given shared Quebec/Canadian retail wealth management focus, advisor-led model, and full-service planning/insurance offerings.
• RBC Wealth Management (Phillips, Hager & North): RBC's Canadian wealth management division, including PH&N, providing full-service advisory, mutual fund, and securities brokerage services to individuals and families nationwide. Directly comparable in retail wealth advisory services.
• BMO Wealth Management: BMO's wealth division offering financial advisory, investment, and estate planning services to retail and affluent Canadian clients. Comparable to SFL in providing comprehensive wealth planning through advisor networks.

Broad incumbents

• Fidelity Investments Canada: Large incumbent Canadian wealth manager offering mutual funds, ETFs, and financial planning. Comparable to SFL in retail investment offerings, but operates at much larger scale with broader national/institutional reach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/user/SFLcommunaute
• Facebookfacebook.com/sflcarriere
• LinkedInlinkedin.com/company/centre-financier-sfl-cuivre-et-or

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 SFL Gestion de Patrimoine