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Exempt Market Financial Planning

Exempt Market Financial Planning

Plan for tomorrow but live for today

Craig BurrowsI hope everyone enjoyed their Thanksgiving weekend. My weekend began by attending a memorial service for my wife’s friend who passed away from MS. It was a bit controversial as she was one of the first 200 pioneers of assisted suicide in Canada. She was only 60 years old and spent most of her adult life dedicated to raising a large family, and spending countless hours volunteering in our community. She will be greatly missed with the ripple effect far reaching.

Attending the service over the weekend reminded me once again, of the importance of planning for tomorrow but living for today. I turned 50 in June and am faced with the realization that I’m closer to 60 than I am 40. I don’t feel 50 but the fact is, I am. I have my health however, I know I’m not alone when it comes to financial planning and wondering what is enough? Is the 80% of income for retirement still relevant? Do I plan on living a long life rather than just existing at the end?

I am always interested in reading the most current financial articles that discuss the balance between living for today, but planning for tomorrow. I especially appreciated reading the weekend newspaper articles (October 8, 2016 National Post and Globe & Mail) about Canadians my age assessing their retirement readiness with financial planners. One publication discussed how to invest $700,000 while the other discussed the merits of robo advisors. The financial advisor recommended a 2% return of $14,000 after fees and taxes on $700,000. This approach makes absolutely no sense. To risk the volatility of the stock market for 2%? Why not leave your money under a mattress and pull $14,000 a year for the next 50 years without any risk?

With those options, no wonder the odds are stacked against the average investor. To add insult to injury, Portfolio Manager Martin Pelletier, of Trivest Wealth Counsel Ltd. was quoted in the Financial Post on September 27th saying that people should not invest in private equity investments, unless they have a minimum of $10 million of financial assets. So it’s ok for institutional and pension funds to invest but not the average investor?

We can offer a third option. It’s called genuine diversification that includes alternative and private equity investments into your financial portfolio. It forms a vital plan that can pay more than 2% but doesn’t expose the entire portfolio to ruin. That percentage is based on your suitability for risk and time horizon when you need your money back. The best news is you don’t have to have $10 million in the bank to invest, not even close in fact.

At TriView Capital, we want to help you if you think that your current investment strategy isn’t working. For as little as $5,000, you can invest in private equity through an OM (Offering Memorandum) with other eligible investors. As of 2016, Securities Regulators across Canada have imposed that new OMs must have audited financials which should help add greater transparency and accountability for investors. There are risks and it’s our job to take you through the pros and cons of alternative investing. Best of all, many can be added into your registered accounts.

Ahead of the 2017 World Outlook Conference, we will start highlighting these “8 ways to 8%” annual yields through MoneyTalks and our current investors. Please visit our website soon  as we start the process of showing you strategies towards “8 ways to 8%”.


Craig S Burrows ICD.D

President & CEO, CCO

TriView Capital Ltd.


triview capital 8 ways 8 percent Money Talks




The Money Talks Interviews

Sept 10, 2016 Craig Burrows speaks with Michael Campbell.


Dec 3, 2016 Craig Burrows speaks with Michael Campbell.

8 Ways to 8% Articles

Sept 10, 2016 Investing Strategies for Eight Percent or Better

Oct 15, 2016 Plan for Tomorrow but Live for Today – Exempt Markets and Financial Planning

Nov 15, 2016 Why Donald “Trumps” Clinton Is Good for Western Canada

Dec 10, 2016 Clean Up This Holiday Season to Increase Yield

Jan 15, 2017 Private Equity: The best kept yield secret

Feb 15, 2017 Sweetheart Opportunities do exist in February

Mar 15, 2017 The Ides of March and be wary of the Fourth Estate


Five of our 8 Ways to 8%

Petrocapita Income Trust
9 percent returns Canada investment opportunitiesIssuer: Petrocapita Income Trust
Description: Investment in preferred trust units of the Trust (PTUs) targeting 9% yield p.a., paid quarterly, together with “discounted” common shares (Common Shares) of a subsidiary of the Trust which are exchangeable after 18 months (or in certain events) for publicly traded trust units of the Trust (PCE.UN)
Category: Oil & Gas Investment Fund – Acquiring heavy oil production and mid-stream assets in Alberta and Saskatchewan.
Target return: 9% annual return on the PTUs, plus potential additional return attributable to the Common Shares.
Targeted terms: 4 Year duration
PetroCapita 2017 Term Sheet
Clear Sky Income Portfolio Fund – Series II
canada exempt market offersIssuer: Clear Sky Income Portfolio Fund – Series II
Description: The Fund believes that opportunities exist to acquire Car Wash locations at attractive prices with existing operations, and the potential for consistent growth. The Fund will generally focus on acquiring, or otherwise investing in, Express Car Wash locations which were constructed or refurbished in 2000 or later. These Car Washes are located in markets with strong employment growth, established operations and the potential to provide increasing cash flow
Category: Yield
Target return: 10% Annual Investor ROI before other stakeholder participation
Targeted terms: Investors also receive 10% of any distributions of net available cash above the Investor Target Return.
Rev Royalty
8percentIssuer: Rev Royalty Income and Growth Trust
Description: An income and growth fund strategically allocating capital between credit sectors to improve risk and reward prospects
Category: Multi-sector diversified income
Target return: 8%
Targeted terms: Open-ended fund with annual redemption ability

AP Capital Mortgage Investment Corporation
8percentIssuer: AP Capital Mortgage Investment Corporation (AP Capital MIC)
Description: AP Capital MIC started in 2007 and is a mortgage lender in Western Canada. The firm advances short term (1 year) mortgages to owners of primarily single detached homes in urban areas of BC and Alberta. Borrowers are home owners who require short term funds (bridge financing) and often may not fit with conventional bank underwriting (e.g. business-for-self individuals). Equity in the borrowers home is what protects the fund’s capital as the target loan to value is 70%; leaving 30% equity to protect AP’s funds. Over 700 mortgages have been advanced since 2007 worth nearly $200M in mortgage principal. 450 of those mortgages have been fully repaid leaving the current portfolio with 250 mortgages valued at approximately $57M in principal. Mortgages are sourced through mortgage brokers at interest rates of 5-15 percent.

Category: Yield. Cash Flow.
Target return: 7% monthly distribution (Cash or DRIP) plus annual top up (post audit). Annual returns have historically been greater than 8% per annum.
Targeted terms: 4 year redemption fee of 5% in year one. 4% in year two, 3% in year three, 2% in year four. 0% redemption fee after 4 years. Redemption fee is on initial investment only. Up to 5% of initial investment can be redeemed annually without fee.

Equicapita Income Trust
8percentIssuer: AP Equicapita Income Trust
Description: Investment in preferred trust units of the Trust (PTUs) yielding 8% p.a., paid quarterly, together with “free” common equity of the LP (a subsidiary of the Trust)

Category: Private Equity SME Buyout Fund in Western Canada. Targeting business between $5-$30million in enterprise value.
Target return: 8% annual return on the PTUs, plus potential additional return attributable to the common equity of the LP
Targeted terms: 5 year duration

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Phone: 403.984.6570
TriView Capital Ltd.
Life Plaza
Suite 605, 734 - 7th Ave SW
Calgary, AB T2P 3P8

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