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.

Our blog

Keeping you up-to-date and informed


Market Watch for January 12 2018

Global Portfolio Advisory Group

January 12, 2018

Big Picture

Data, central banks in focus

Economic data drove the narrative this week with a wide range of releases to digest here, south of the border and overseas. Staring in Canada, last Friday’s jobs report was unexpectedly strong taking the unemployment rate to a 40-year low of 5.7% in December from 5.9% in November. In related news, the Bank of Canada’s quarterly Business Outlook Survey released Monday shows companies are feeling the pressures of a tight labour market and strengthening economy. This has raised expectations that the BoC may raise borrowing costs at its January 17 policy-setting meeting. Also of note, Canada filed a complaint with the World Trade Organization Wednesday over American duties ahead of the sixth round of NAFTA talks scheduled for January 23 in Montreal. In the eurozone, the EU Commission found economic sentiment ending 2017 on a very positive note. At 116, the index was 1.4 points above November’s read and the best mark since October 2000. Also of note in the eurozone, jobs data released Tuesday showed the unemployment rate at 8.7%, the lowest since January 2009. Meantime, ECB minutes released Thursday from the bank’s December meeting show officials might move sooner than expected to further reduce stimulus efforts in light of the stronger-than-expected rebound in the eurozone economy last year. In China, consumer prices advanced 1.8% yoy in December, up from 1.7% over the year in November but still short of the 3.0% the country was targeting for 2017. Turning to the global economy, the World Bank said Wednesday that it expected growth to reach 3.1% this year after a faster-than-expected 2017. If 2018 projections are met it will be the first time since the financial crisis that the world economy is operating at full potential according to the bank. In geopolitical news, North and South Koreas opened the lines of communication this week with the North signing on for the Olympic Games and the South agreeing to military talks. Looking ahead, market watchers will be able to digest U.S. consumer price inflation and retail sales today with the former closely watched by the Federal Reserve for hints of rising prices.

 

Markets

U.S stocks extend record run

U.S. stocks padded all-time highs by the close of trade Thursday as investors grew more confident ahead of Q4 corporate earnings season south of the border. For the four days covered in this report, the Dow added 279 pts. to close at 25,574, the S&P 500 rose 24 pts. to close at 2,767 and the Nasdaq moved ahead 75 pts. to finish at 7,211. The TSX finished 63 pts. lower to end Thursday’s session at 16,286.

 

Equities/Strategy

2018 gets off to a strong start as fundamentals remain solid

Strategy: Global markets have started 2018 in solid fashion with healthy YTD performances across equities, commodities and currencies. U.S. and Canada 10-year federal government bond yields are also on the march higher year-to-date.  These early gains can be attributed to, among other things, ongoing solid economic growth data and the recently approved U.S. tax cut package in late December, which boosts the corporate profit outlook, in our view. Market trends early in the year line up well with our 2018 investment strategy settings including overweighting equities relative to fixed income, preferring cyclical sector exposure (natural resources, industrials, financials) at the expense of interest-rate defensives (utilities, telecoms, consumer staples, real estate), and expecting the U.S. equity market to underperform its international and Canadian peers. We expect global market fundamentals to remain healthy throughout 2018. Notably, we believe global GDP growth is set to remain at 7-year highs as the recovery broadens out to all major economies, interest rates should rise moderately, and commodity prices should remain stable at supportive levels. In the near term, a number of event risks could inject markets with a usual dose of volatility. Those risks include a possible new raft of U.S. trade sanctions on China, a possible U.S. withdrawal from the Iran nuclear agreement, looming NAFTA negotiations that may not result in substantive progress, possible North Korean nuclear missile launches, etc.

 

 

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 December 1, 2017

Global Portfolio Advisory Group

December 15, 2017

Big Picture

Central banks, tax bill in focus

It was an action-packed week filled with economic, political and monetary policy news. Starting in Washington, the Senate and House agreed upon a final version of a tax bill set to be released today with votes planned for early next week. The bill would reduce the top individual tax rate from 39.6% to 37% and the corporate rate would fall to 21%. Also in the U.S., the Federal Reserve increased interest rates by a quarter-percentage point Wednesday, the third rate rise this year. Fed Chairwoman Janet Yellen also penciled in three more increases for 2018 in what was her last monetary policy meeting. In U.S. economic news, retail sales surged 0.8% in November versus the previous month which lifts the outlook for Q4 consumer spending. In Europe, the European Central Bank left rates unchanged Thursday even as new projections pointed to strong growth for the eurozone through 2020. The Bank of England similarly stood pat on rates also on Thursday however it did tighten borrowing costs in the U.K. last month for the first time in a decade. Also in the U.K., retail sales posted a strong 1.1% advance in November from October with the annual growth in purchases up 1.6%. Continuing in Europe, the EU and Britain agreed on terms of separation opening the door for the two to start talks on a transitional deal immediately following Brexit in March 2019 and the outlines of a future trade deal. Looking ahead, market watchers will get a look at the strength of the Canadian economy next week with retail sales and monthly GDP releases.

Markets

U.S stocks end higher

On Thursday the Dow hit an intraday high before closing lower breaking a five-day win streak. For the four days covered in this report, the Dow advanced 179 pts. to close at 24,508, the S&P 500 added 1 pt. to end at 2,652 and the Nasdaq rose 16 pts. to finish at 6,856. The TSX fell 80 pts. over the period ending Thursday’s session at 16,016.

 

Equities/Strategy

Strategy hits the mark in 2017; looking forward to 2018

Strategy: With 2017 coming to a close, we can take this opportunity to take stock of market performance and our asset allocation strategy over the past year. To recap, our strategy has been premised on carrying a large overweight in equities versus an underweight in bonds, an expectation international markets would outperform U.S. markets, and maintaining overweight exposure to cyclical sectors including financials, industrials, materials, technology, energy, consumer discretionary and health care. In the end we find equity markets posted solid returns year-to-date through 12 Dec/2017 (S&P500: +21.1%; S&P/TSX: +8.1%, all in local currency terms) while fixed income struggled to keep its head above water (U.S. and Canada: +3.3%). Meanwhile, sector performance reflected prevailing macro trends as cyclical sectors (with the exception of energy) outperformed broad market indices. Thus, our investment strategy was generally successful in focussing on the right asset allocation settings. For 2018, we expect economic growth to remain near multi-year highs, inflation to modestly tick higher, interest rates and bond yields to gradually climb, volatility to trend steadily upwards and equity market gains to moderate. Thus, we stick with our equity-over-fixed income preference.  We look for greater dispersion in cyclical sector outperformance (overweight: industrials, financials, energy, materials; marketweight: technology, consumer discretionary, health care) and deepening underperformance of interest rate-sensitive defensives (utilities, telecom, real estate, consumer staples). Please see the latest edition of our quarterly investment strategy flagship report “Portfolio Compass” for more details.

 

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