Meet our team

A diverse group of talented professionals

Meet our team

A diverse group of talented professionals


Daryl Cooper

Portfolio Manager, Director of Wealth Management

Daryl Cooper

In 1995, I formed the investment advisory service called Cooper Wealth Management. I have been truly blessed to have found a passion that doesn’t feel like work and this is reflected in our client retention and satisfaction. Our team is now called Cooper Schneider Financial to recognize the input and importance of my partner; Wealth Advisor, Colleen Schneider.
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Colleen Schneider

Wealth Advisor

Colleen Schneider

Working closely with Daryl and the rest of the Cooper Schneider Financial team, including the extended team of specialists at Scotia Wealth Management, Colleen is extremely detail-oriented and leaves no stone uncovered. She takes a solution focused approach, offering financial planning that is conservative, reliable and designed for long term success.
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Wealth management services

What makes us unique

We provide a unique wealth management process that focuses on affluent clients who aspire to a work optional lifestyle. Our process stands out amongst the rest because we do it for people who invest and are tired of the ordinary. We do not accept mediocrity. We are architects of a better way to managing your wealth.

Our unique method – the RBI Bridging Formula is a process driven approach that involves planning and protection. It is a process that is objective, disciplined and transparent.

We work with like-minded people that appreciate the value, enthusiasm, passion and knowledge that we bring to the office every day.

We became wealth advisors to help people tune out the noise and focus on what matters to them—things they can control—so that they can face the future with anticipation, instead of apprehension.

Contrary to the old cliché what you don’t know can hurt you and ignorance is not bliss; financial health is a matter of choice, not chance. We became wealth advisors to help our clients to make more informed choices and take fewer chances. That is the harmony of wealth and risk management—integrated.

We learned long ago that financial success requires more than just judgment and ideas. It requires a process.

When we started, we attracted affluent clients from all walks of life who appreciated our process and client experience. This included farmers, retirees and professionals. Today, we primarily work with professionals, business owners/farmers and executives who, among other things, aspire to that work-optional lifestyle and want to secure their family’s investment legacy.

One of the primary characteristics of these clients is that they delegate their wealth management to a professional, allowing them to focus on what they really want to be doing; or what they are really good at.

We take a team approach to creating a client experience that is consistent. Each person on our team has bought into best practices that govern how we conduct ourselves with our clients.

We are vigilant defenders of wealth. We believe in full transparency in all that we do. We provide our clients with services that reflect their needs.

We understand that wealth advisors must have a defined process that can contribute to helping clients protect their wealth, enabling them to realize their dreams and sleep well at night.

We keep our client base to a minimum and only work with select clients who are a fit for what we provide. We do this so we can be all things to a few instead of attempting to be everything for everyone.

We utilize a process we termed the RBI Bridging Formula. This process is a truly unique wealth management system that fully understands that success for our clients involves diligence and attention to Planning and Process. Planning and Process are key elements in both Portfolio Management and Financial Planning and when combined, they formulate your Wealth Blueprint.

We realize that a jack of all trades is a master of none. Therefore, we utilize the services of our in-house team of specialists which includes two financial planners, a full team of life insurance experts, a chartered accountant for complex business strategies, private banking and a lawyer for estate and trust needs.

  • Financial Planning from Scotia Capital Inc.
  • Coverage from Scotia Wealth Insurance Services Inc.
  • Private Banking from the Bank of Nova Scotia
  • Estate and trust planning from Scotiatrust®, The Bank of Nova Scotia Trust Company

Our process is panoramic and all encompassing. It covers every piece of the financial puzzle and engages every service provider so that our clients always have the complete picture.

Our method is fluid and dynamic. It is not static and it is not transactional.

As our clients’ lives unfold, their needs will evolve. We act as the bridge to their financial aspirations.

  • We work at turning apprehension into anticipation
  • We are specialists—not generalists
  • We partner with an in-house team of wealth specialists
  • We believe that success comes from planning and is not left to chance
  • We fully understand that our clients want to sleep well at night and enjoy their lives

Our RBI Bridging Formula leaves no stone unturned. The planning and investment process is unique, conservative and disciplined.

We are accountable to our clients for we understand the crucial role we play in building and protecting their wealth.

Each day inspires us to strive to provide a service that we believe is unique from the mainstream.

We work out of our home base in Saskatoon, Saskatchewan with Scotia Wealth Management. Our office is on the 7th Floor of the Saskatoon Square office tower on the corner of 4th Avenue and 22nd Street.

In our experience, our affluent clients are mobile throughout Canada. In order to continue to provide them with the service they have come to expect and appreciate, we are licensed in five provinces and have active experience servicing accounts in each of these provinces.

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Keeping you up-to-date and informed


Market Watch for Friday October 20, 2017

Global Portfolio Advisory Group

October 20, 2017

Big Picture

Politicians take centre stage

There was plenty of political news to keep market watchers occupied this week as important events unfolded in North America, Europe and China. In China, the 19th Communist Party congress got underway mid-week with the country’s President Xi Jinping anointed to a second five-year term. In opening remarks, Xi set a goal to build a modern nation by 2035 and a rich, global power by 2049. The twice-a-decade congress is set to endorse Xi’s political supremacy with the potential to extend his authority past five years putting him on par with some of China’s most powerful, revered leaders such as Deng Xiaoping or Mao Zedong. In North America, NAFTA negotiators have extended talks into 2018 and appear to be moving farther and farther away from a successful outcome. The U.S. is maintaining its hard stance against Canada and Mexico on a range of topics and the basic architecture of an agreement. If the deal ends it will mark an important turning point in continental commerce as NAFTA has guided trade among the three countries for a quarter century. Turning to the U.K., British Prime Minister Theresa May went to Brussels Thursday to meet with EU chiefs to try to re-ignite stalled Brexit talks. The impasse stems from Britain’s reluctance to reveal how much it will pay to leave the Bloc which is a pre-condition set by the EU before tabling future trading agreements. Also in Europe, the potential declaration of independence threatened by the Catalan province in Spain is one step closer to reality despite threats of the central government removing decision-making powers from Catalonia. Turning to economic news, China released Q3 GDP data which showed the world’s second-largest economy grew 6.8% yoy which puts it on target to meet 2017 growth projections. Returning to the U.S., politicians passed a budget blueprint Thursday that represents the first step toward revamping the tax code which bodes well for Trump’s tax reform. Finally, corporate America continues to deliver when it comes to earnings as roughly 23% of S&P 500 companies reporting have beat forecasts.

 

Markets

Stocks grind higher

Most North American stock benchmarks continued their ascent this week with U.S. bellwethers notching more record highs and the Dow crossing the milestone 23,000 point level. For the four days covered in this report, the Dow rose 292 pts. to close at 23,163, the S&P 500 added 9 pts. to end at 2,562 and the Nasdaq ended flat at 6,605 pts. In Canada, the TSX ended up 11 pts. to settle at 15,818.

 

Equities/Strategy

Markets continue to impress following U.S. election

Strategy: Global markets have continued to grind higher in recent weeks despite volatile headlines thanks largely to supportive medium-term market fundamentals. In particular, economic growth across major economies is hitting 7-year highs while the recovery has broadened out into a global synchronized upturn for the first time since the 2008/09 financial crisis. We expect this to continue into 2018 as well with unemployment rates remaining low and central banks keeping monetary conditions at stimulative levels despite some very modest interest rate hikes. Most of our indicators point to ongoing economic recovery with the earliest start to a recession pointing to 2019 with many indicators suggesting this may not start until 2020. Thus, there remains ample time left in the current equity bull market to view any near-term pullback (5%-10%) in stock markets as an attractive opportunity to put cash to work. We believe investments closely correlated with economic growth trends (cyclical assets) should outperform given our constructive global macro-economic outlook. As a result, we are overweight equities versus bonds with a preference for cyclical sectors (industrials, financials, materials, energy) and Canadian/international exposure over the U.S. for 2017/18. The near-term focus for markets includes third-quarter earnings reports (we expect results to beat modest consensus estimates), the naming of the next Federal Reserve Chair, a possible breakthrough or breakdown in NAFTA renegotiation talks, the European Central Bank’s expected announcement (Oct. 26th) to moderate monetary stimulus, and ongoing headline risks around possible U.S. tax cuts, North Korean missile tests and U.S.-Iran tensions

 

 

This material does not include or constitute an investment recommendation, and is not intended to take into account the particular investment objectives, financial conditions, or needs of individual clients. Before acting on this material, you should consider whether it is suitable for your particular circumstances and talk to your investment advisor.

This publication has been prepared by ScotiaMcLeod, a division of Scotia Capital Inc. (SCI). This publication is intended as a general source of information and should not be considered as personal investment or tax advice. We are not tax advisors and we recommend that individuals consult with their professional tax advisor before taking any action based upon the information found in this publication. Opinions, estimates, and projections contained herein are our own as of the date hereof and are subject to change without notice. The information and opinions contained herein have been compiled or arrived at from sources believed reliable but no representation or warranty, express or implied, is made as to their accuracy or completeness. Neither SCI nor its affiliates accepts liability whatsoever for any loss arising from any use of this publication or its contents. This publication is not, and is not to be construed as, an offer to sell or solicitation of an offer to buy any securities and/or commodity futures contracts. SCI, its affiliates and/or their respective officers, directors, or employees may from time to time acquire, hold, or sell securities and/or commodities and/or commodity futures contracts mentioned herein as principal or agent. SCI and/or its affiliates may have acted as financial advisor and/or underwriter for certain of the corporations mentioned herein and may have received and may receive remuneration for same. All insurance products are sold through Scotia Wealth Insurance Services Inc., the insurance subsidiary of Scotia Capital Inc., a member of the Scotiabank Group. When discussing life insurance products, ScotiaMcLeod advisors are acting as Insurance Advisors (Financial Security Advisors in Quebec) representing Scotia Wealth Insurance Services Inc. This publication and all the information, opinions, and conclusions contained in it are protected by copyright. This report may not be reproduced in whole or in part, or referred to in any manner whatsoever, nor may the information, opinions, and conclusions contained in it be referred to without in each case the prior express consent of SCI.

Market Watch for Friday October 13, 2017

Global Portfolio Advisory Group

October 13, 2017

Big Picture

U.S. corporate earnings in focus

It was an event-filled week with a number of market-moving developments starting with the kick-off of U.S. Q3 corporate earnings season. It got underway with expectations of solid results as analysts anticipate S&P 500 companies to post earnings growth of about 4.2% in Q3; slightly lower than previous quarters due to recent hurricanes. American firms relying on global revenues for earnings are expected to fare even better thanks to a strengthening global economy. In light of improving global economic data, the IMF upped its growth forecast for the world to 3.6% this year and 3.7% in 2018, an acceleration from the 3.2% recorded in 2016. Among the world’s 10 largest economies, the U.K. is the only one predicted to see slower economic growth over the next two years according to the Washington-based fund. Also of note, minutes released Wednesday covering the U.S. Federal Reserve’s latest meeting in September showed officials on track to raise interest rates despite being split on the direction of inflation in the coming months. The Fed has two more meetings this year – at the end of October and the middle of December – at which they could possibly raise rates. Turning to the ECB, bank head Mario Draghi said the bank is considering a reduction in its monthly bond purchase program but is divided on an end date for the purchases. With regard to NAFTA talks, the fourth round of negotiations got underway in Arlington, Virginia Wednesday with discussions pre-empted by Prime Minister Trudeau’s visit with President Trump who said he’s okay with the agreement ending. Elsewhere, OPEC said consultations were underway to extend oil production cuts beyond March 2018 with a potential deal possible when officials meet in Vienna November 30. Looking ahead, market watchers will get a look at U.S. retail sales and consumer price inflation today with the Fed paying particular attention to the latter.

 

Markets

U.S. stocks reach new heights

Major U.S. stock benchmarks rose to fresh highs mid-week but could not hold the gains through Thursday close. For the four days covered in this report, the Dow rose 268 pts. to close at 22,841, the S&P 500 added 1 pt. to settle at 2,550 and the Nasdaq also moved ahead 1 pt. to end at 6,591. In Canada, the TSX hit a seven-month-high Wednesday ending the period up 14 pts. to finish at 15,742.

 

Equities/Strategy

Markets continue to impress following U.S. election

Equities: Within equities, we advised going overweight Canada by underweighting the U.S. at the start of Q3’17 (on the basis of a strengthening C$ and oil recovery) and so far it has been the correct call.  Going further back, at the end of Q1’17 we initiated an overweight position in Europe and Emerging Markets (also by underweighting the U.S. – on the basis of a steeper yield curve, positive economic upgrades, and receding political risks).  We remain committed to this call as well given strong outperformance.

Our overall asset class call to overweight equities as opposed to fixed income or cash originated in late Q1’16 which again has gone in our favour.  Despite the possibility of a small near-term pullback, we believe equities still offer better relative valuations and remain under-owned. Any potential pullback or spike in volatility would be a buying opportunity in our view.  In other words, we believe investors could replace their proverbial fear of an imminent “meltdown” with images of a slow and steady “melt-up” within equities as the risks surrounding the timing of the end of the cycle remain skewed to beyond 2019 rather than sooner. Traditional end-of-cycle indicators remain encouraging in our view.

 

This material does not include or constitute an investment recommendation, and is not intended to take into account the particular investment objectives, financial conditions, or needs of individual clients. Before acting on this material, you should consider whether it is suitable for your particular circumstances and talk to your investment advisor.

This publication has been prepared by ScotiaMcLeod, a division of Scotia Capital Inc. (SCI). This publication is intended as a general source of information and should not be considered as personal investment or tax advice. We are not tax advisors and we recommend that individuals consult with their professional tax advisor before taking any action based upon the information found in this publication. Opinions, estimates, and projections contained herein are our own as of the date hereof and are subject to change without notice. The information and opinions contained herein have been compiled or arrived at from sources believed reliable but no representation or warranty, express or implied, is made as to their accuracy or completeness. Neither SCI nor its affiliates accepts liability whatsoever for any loss arising from any use of this publication or its contents. This publication is not, and is not to be construed as, an offer to sell or solicitation of an offer to buy any securities and/or commodity futures contracts. SCI, its affiliates and/or their respective officers, directors, or employees may from time to time acquire, hold, or sell securities and/or commodities and/or commodity futures contracts mentioned herein as principal or agent. SCI and/or its affiliates may have acted as financial advisor and/or underwriter for certain of the corporations mentioned herein and may have received and may receive remuneration for same. All insurance products are sold through Scotia Wealth Insurance Services Inc., the insurance subsidiary of Scotia Capital Inc., a member of the Scotiabank Group. When discussing life insurance products, ScotiaMcLeod advisors are acting as Insurance Advisors (Financial Security Advisors in Quebec) representing Scotia Wealth Insurance Services Inc. This publication and all the information, opinions, and conclusions contained in it are protected by copyright. This report may not be reproduced in whole or in part, or referred to in any manner whatsoever, nor may the information, opinions, and conclusions contained in it be referred to without in each case the prior express consent of SCI.


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How to get in touch with our team

410 - 22nd Street East, Suite 700, Saskatoon, Saskatchewan, S7K 5T6, Canada
(306) 343-3255 · (306) 664-1877