a holistic wealth management firm
Experience a bold approach to financial advisory rooted in a mission to empower, a vision for your success, and a strategy designed for results.
At Bilyk Financial, our mission is to empower families and individuals to achieve their financial goals through personalized, strategic, and disciplined guidance.
We are committed to fostering trust and delivering excellence in every aspect of our advisory services.
To set a new standard in financial advisory by building lasting partnerships with our clients, championing innovative strategies, and creating a legacy of financial security for generations to come.
Our strategy is rooted in understanding our clients’ unique needs. We develop tailored financial solutions, continuously monitor their effectiveness, and adapt to changing circumstances.
With a multidisciplinary team and a passion for raising the bar in financial advising, we aim to deliver results that inspire confidence and peace of mind.
Tailored Wealth Management & Financial Advisory Services
Our process-oriented approach and proactive client communication provide the structure you need for successful investing.
It’s the little things that make a big difference
We take the time to listen, learn, and act on behalf of our clients to ensure that we understand your goals, your concerns, and your challenges.
Bilyk Financial stands out by combining comprehensive wealth management and financial advisory with a personalized touch. We understand that each high-net-worth individual has unique goals, which is why our approach integrates financial planning, tax optimization, risk management, and strategic investments tailored specifically to your needs. Our team takes the time to deeply understand your personal and professional objectives, enabling us to craft a plan that aligns with your vision for the future. We focus on long-term growth and wealth preservation, offering solutions that adapt to life changes and financial market fluctuations.
In addition to our holistic approach, we leverage advanced tax strategies that help minimize tax liabilities and maximize after-tax returns. Whether through tax-efficient investment strategies, charitable giving, or sophisticated estate planning, we ensure your wealth is protected from unnecessary taxation and optimized for both the present and future. Our proactive tax planning is especially crucial for individuals who are managing complex financial portfolios, as it allows us to continually adjust strategies based on changes in tax laws or your evolving circumstances.
Another key differentiator is our emphasis on personalized, ongoing guidance. Rather than a one-size-fits-all approach, we maintain a strong, ongoing relationship with our clients, providing tailored advice and consistently monitoring their financial health. We make adjustments as needed, especially during times of market volatility or significant life transitions, ensuring that your wealth management strategy stays on track to meet both your immediate needs and long-term goals.
Furthermore, we understand that individuals often face a unique set of challenges when it comes to family dynamics and intergenerational wealth transfer. That’s why we offer family office services that focus on preserving not just your wealth but your family’s legacy. This includes guiding your heirs on how to manage the wealth they inherit and creating structures to facilitate seamless wealth transitions that honor your family’s values and goals. This comprehensive, personalized approach ensures that both your financial and familial legacies are carefully managed and passed down in a way that maintains and amplifies your vision for generations to come.
Bilyk Financial’s unique combination of deep expertise, personalized attention, and forward-thinking strategies provides high-net-worth individuals with the peace of mind that their wealth is in capable hands—now and for the future.
A family office simplifies wealth management by providing a single, integrated solution to manage and grow your wealth across multiple aspects of your financial life. Instead of dealing with multiple advisors, institutions, and strategies that may not always align, a family office centralizes all of these services under one umbrella. This allows for a seamless approach where all aspects of financial planning, investments, taxes, estate management, and risk management are coordinated to meet your unique needs and objectives. With a dedicated team focused solely on your financial well-being, you can enjoy a level of personalized service and attention that is hard to match in traditional wealth management models.
One of the key advantages of a family office is the ability to craft highly tailored, long-term strategies that align with your goals and values. Whether you are looking to preserve wealth for future generations, optimize tax efficiency, or diversify investments to minimize risk, a family office ensures that every decision is made with your specific circumstances in mind. The team works closely with you to understand your short-term and long-term aspirations, as well as the dynamics of your family, so that the wealth strategies implemented not only aim for financial success but also reflect your personal values and legacy. For example, if your priority is to create a meaningful impact through charitable giving or to pass on wealth in a way that minimizes tax liabilities, the family office will provide the right solutions that meet those goals while preserving the integrity of your wealth.
Family offices also offer specialized expertise in managing complex wealth structures. High-net-worth individuals often have diverse portfolios that include private equity, real estate, international assets, and family businesses. These wealth structures can become complicated, but family offices are equipped with the expertise and resources to handle these complexities, ensuring that all assets are properly structured and efficiently managed. They also help manage cash flow across various entities, optimize asset allocation, and streamline the administrative tasks that come with managing diverse assets. This comprehensive oversight allows you to avoid mistakes, capitalize on opportunities, and ultimately maintain a clear view of your wealth, no matter how complex it may be.
Succession planning is another integral part of the family office service, ensuring that your wealth is passed on seamlessly to future generations. Family offices provide guidance on how to structure your estate to minimize taxes and avoid conflict among heirs. This may involve setting up trusts, gifting strategies, or establishing family governance structures to ensure that wealth is transferred smoothly. The family office team also plays a key role in educating heirs about managing the wealth they inherit and ensuring they are prepared to take on their financial responsibilities.
Risk management is another crucial function of a family office. With wealth often comes an increased exposure to various risks, such as market fluctuations, business risks, and legal concerns. A family office addresses these risks through diversified investment strategies and insurance planning, ensuring that your wealth is protected against potential threats. Whether it’s ensuring your assets are adequately insured, protecting against liability risks, or using hedging strategies to mitigate financial volatility, the family office team continually monitors and adjusts your portfolio to safeguard your wealth.
In addition to these core services, a family office provides ongoing financial education, business succession strategies, and concierge services that go beyond traditional wealth management. This level of holistic, personalized service not only simplifies your wealth management but also enhances your quality of life by freeing you from the day-to-day complexities of managing substantial wealth. By centralizing your financial needs in one place, a family office provides peace of mind, ensuring that your wealth is efficiently managed, protected, and passed on according to your wishes—without you having to be involved in the intricacies of each component.
Ultimately, a family office offers high-net-worth individuals the expertise, coordination, and oversight necessary to manage wealth across generations, streamline complex financial processes, and preserve both wealth and legacy for future generations.
At Bilyk Financial, we take a highly personalized approach to creating investment strategies that are tailored to each client’s unique financial situation. The process begins with an in-depth analysis of your overall financial picture. This means we take the time to understand not only your current assets and liabilities but also your long-term financial goals, lifestyle preferences, risk tolerance, and the timeline you have for achieving those goals. We believe that a one-size-fits-all approach doesn’t work for high-net-worth individuals, so we aim to provide a strategy that reflects your personal values, family needs, and future aspirations. Whether you’re focused on growing your wealth, generating consistent income, or preserving capital, we ensure that each decision is aligned with your broader financial objectives.
Once we have a clear understanding of your goals, we create a customized investment strategy that is built specifically around your needs. For example, if your primary goal is aggressive growth, we might focus on high-risk, high-reward assets such as equities in emerging markets, private equity, or venture capital. If you’re focused on income generation, we would build a portfolio with investments that provide steady, reliable returns, such as dividend-paying stocks, bonds, or real estate. For clients interested in wealth preservation, we prioritize lower-risk investments that provide stability, such as fixed-income securities, conservative asset allocation models, or investments in blue-chip companies.
This personalized approach also extends to understanding your financial preferences and values. For example, if you have a preference for sustainable investing, we would incorporate Environmental, Social, and Governance (ESG) factors into your investment strategy. Similarly, if you’re passionate about philanthropy, we might recommend impact investing or strategies to fund charitable endeavors in a tax-efficient way. Your investment strategy isn’t just about financial returns; it’s about aligning your wealth with your life’s values and vision.
Moreover, we recognize that investment strategies need to evolve as your personal and financial circumstances change. Life events, such as marriage, retirement, the birth of a child, or changes in health, can have a significant impact on your financial needs. This is why we continuously monitor your portfolio and adjust your strategy to reflect those changes. We also account for shifts in market conditions, such as economic cycles, interest rate changes, or geopolitical events, to ensure your investments remain aligned with both market realities and your evolving aspirations.
We also believe that investment strategies should remain flexible and adaptive. For example, if we see opportunities in new markets or sectors, we may suggest rebalancing your portfolio to take advantage of these changes. Similarly, if your risk tolerance shifts, we can adjust your portfolio allocation to ensure that it remains aligned with your comfort level and financial objectives. We work with you regularly to review your goals and make any necessary adjustments to keep your strategy on track.
Ultimately, by personalizing investment strategies to suit your specific situation, we ensure that every decision we make is working in your best interest, driving you closer to your financial goals, and adapting as your life evolves. Our ongoing commitment to understanding your unique financial needs and continually fine-tuning your investment strategy ensures that your wealth is not just managed—it is actively growing, protected, and aligned with your long-term vision.
Our performance varies for each client because it is closely tied to their unique risk profiles, financial goals, and time horizons. We understand that each client has different comfort levels when it comes to taking on risk, and that’s why we begin every relationship with a thorough analysis of your financial situation and risk tolerance. Based on this information, we create a customized investment strategy that is designed to meet your objectives—whether it’s aggressive growth, stable income, or wealth preservation—while staying within your desired risk parameters.
The key to our approach is our risk management structure, which serves as the foundation for building a portfolio tailored to each individual client. We use a comprehensive risk management framework that takes into account various factors such as market volatility, liquidity needs, and your overall financial goals. By understanding your risk tolerance, we are able to allocate assets in a way that provides the best risk-adjusted rate of return. This means that we focus on maximizing returns without exposing you to unnecessary or uncomfortable levels of risk.
We also employ strategies to continually monitor and adjust your portfolio to ensure it remains in line with both market conditions and your evolving risk tolerance. As market conditions change or as you experience shifts in your personal circumstances—such as changes in financial goals, lifestyle, or health—we proactively adjust your strategy to keep it aligned with your desired risk level. This adaptability ensures that your portfolio stays on course even during periods of uncertainty or market volatility.
While past performance is not indicative of future results, our approach is designed to optimize returns over the long term by focusing on sustainable, risk-adjusted growth. We continuously analyze your portfolio’s performance and make adjustments as needed to capitalize on new opportunities or mitigate risks. Our commitment to transparency also means that you will receive regular reports and updates, providing you with clear insights into how your investments are performing relative to your goals and the broader market.
In summary, the performance of your portfolio is uniquely determined by your individual financial objectives, risk profile, and market conditions. Our risk management framework ensures that we build a portfolio that maximizes your returns within the boundaries of your comfort level, and we remain proactive in adjusting your strategy to stay aligned with both market changes and your personal financial journey.
At Bilyk Financial, we take a unique and strategic approach to asset allocation, one that focuses not just on broad asset classes, but on carefully selecting and combining the best investment strategies for each client. Our goal is to provide consistent, risk-adjusted returns that are aligned with your personal financial objectives, risk tolerance, and long-term aspirations. Unlike most traditional advisors who begin by selecting asset classes (such as equities, fixed income, or real estate) and then fill those “buckets” with specific investments, we start by taking a broader, more comprehensive view of potential strategies.
We begin by analyzing a wide range of investment strategies, each evaluated on the basis of key factors such as expected returns, volatility, and correlations with other asset classes or investment strategies. This step ensures that we have a clear understanding of the potential performance of each strategy under different market conditions. By thoroughly evaluating the risk and return profiles of each strategy, we are able to select those that are best suited to achieving your financial goals while staying within your desired level of risk.
Once we’ve identified the most appropriate strategies for your portfolio, we work on combining them in a way that optimizes diversification and risk management. The goal is to create a portfolio that not only targets the highest possible returns but also manages volatility and minimizes correlations between different assets. Diversification is key to reducing risk, and by selecting investments that are not highly correlated with one another, we can better weather market fluctuations and protect your wealth during periods of uncertainty.
For example, we might combine strategies that include equities, alternative investments, private equity, fixed income, real estate, or even international assets. By blending different strategies, we aim to provide balanced growth and stability over the long term. This approach also helps us mitigate the impact of any single asset class underperforming, as the combined portfolio is designed to have a more consistent performance profile across various market conditions.
Furthermore, our asset allocation process is not static. We continuously monitor market trends, economic shifts, and changes in your financial situation, adjusting the portfolio as necessary to stay aligned with your evolving needs. If new strategies or opportunities emerge, we will incorporate them into your portfolio to maintain the optimal balance of risk and reward.
This dynamic, strategy-first approach to asset allocation ensures that we are always focused on creating the most effective and efficient portfolio for you, one that meets your financial objectives while managing risk in a way that is both intelligent and adaptable. Our goal is not only to help you achieve your desired returns but to do so in a manner that provides confidence and peace of mind, knowing that your investments are always working toward your goals in the most efficient way possible.
In summary, the asset allocation process at Bilyk Financial is rooted in a careful analysis of investment strategies rather than simply classifying investments into broad buckets. By combining the best-suited strategies based on their return profiles, risk characteristics, and correlations, we create a personalized, diversified portfolio that adapts to both market conditions and your changing needs. This approach ensures that you receive consistent, risk-adjusted returns while staying aligned with your long-term financial objectives.
We charge our clients a tiered fee for our services, with a declining balance as assets increase. Our fee structure is very transparent and will be set at the start. There are never any hidden fees. We do not receive payments from any external managers we use; this provides the best alignment with our clients, as each investment decision is based on what is best for each clients. We are cognizant of efficiently allocating capital in tax and fee-efficient matter.
Our clients range from St. John’s, Newfoundland, to Vancouver Island, and everywhere in between; Serving clients across Canada including: Edmonton, Calgary, Toronto, Vancouver, Winnipeg, Saskatoon, Kelowna, Ottawa and surrounding areas. We service clients through video platforms and in-person meetings, depending on the client’s request.
