Building Financial Futures Since 2009
We started with a simple belief: people who think long-term deserve investment partners who do the same. That's still what drives us today.
The Story Behind Velcord
Velcord began in Carleton Place when three financial professionals realized something wasn't working. Too many advisors were chasing quarterly numbers while their clients needed strategies that would last decades.
We opened our doors with a different approach. Instead of promising quick wins, we focused on helping people build portfolios that could weather market cycles. The kind of investments that make sense when you're thinking about retirement twenty years out, not next quarter's statement.
That focus hasn't changed. We're still in the same Ontario community, still working with clients who value patience over panic, and still building strategies designed for the long haul.
How We Think About Investing
Our approach comes down to a few core principles that shape every client relationship and investment decision we make.
Time Horizon Matters
Markets fluctuate. That's not news. What matters is building portfolios that can handle volatility without forcing you to make emotional decisions during downturns.
Diversification Works
We spread risk across asset classes because no one can consistently predict which sectors will outperform. It's about reducing unnecessary exposure while maintaining growth potential.
Costs Add Up
Every fee compounds over decades. We're transparent about what you're paying and why, because keeping more of your returns matters when you're investing for thirty years.
Regular Reviews
Your life changes. Your portfolio should adapt. We schedule annual strategy sessions to make sure your investments still align with where you're headed.
Education First
You should understand what you own and why. We explain our recommendations in plain language so you can make informed decisions about your money.
Realistic Expectations
We won't promise returns we can't guarantee. Instead, we build strategies based on historical performance and reasonable projections, not wishful thinking.
Who You'll Work With
Our team brings together decades of experience in financial planning, portfolio management, and client service. We're all based here in Ontario, and we're committed to building long-term relationships with the people we serve.
Siobhan Kellner
Senior Investment AdvisorSiobhan joined Velcord in 2011 after spending eight years at a major Canadian bank. She specializes in retirement planning and helping clients transition from accumulation to distribution phases. She holds a CFA designation and believes the best investment strategy is one you can stick with through market turbulence. Outside the office, she's usually hiking somewhere in Gatineau Park or experimenting with sourdough recipes that occasionally work out.
Our Client Process
We follow a structured approach to understanding your situation and building an investment strategy that fits. Here's what working with us typically looks like.
Discovery Conversation
We start by learning about your financial situation, goals, and timeline. This usually takes about ninety minutes. We'll discuss your income, existing investments, retirement plans, and any concerns you have about the market or your current strategy.
Strategy Development
Based on what we learned, we create a customized investment plan. This includes asset allocation recommendations, suggested portfolio adjustments, and a clear explanation of our reasoning. We'll also outline expected costs and realistic performance projections.
Implementation
Once you approve the strategy, we handle the logistics. This might involve opening accounts, transferring existing investments, or rebalancing your portfolio. We coordinate with your other advisors when needed and keep you informed throughout the process.
Ongoing Management
We monitor your portfolio regularly and make adjustments as markets shift or your circumstances change. You'll receive quarterly performance reports and we'll schedule annual reviews to discuss your progress and any strategic updates.
Understanding Risk and Requirements
Long-term investing requires understanding both market dynamics and regulatory frameworks. Before we begin working together, we need to ensure you meet certain criteria and understand the risks involved in any investment strategy.
Different investment approaches carry different risk profiles. We'll help you assess your risk tolerance and time horizon to determine appropriate strategies. This isn't about eliminating risk entirely—it's about taking calculated risks that align with your financial goals.
Our technical requirements page outlines eligibility criteria, regulatory considerations, and important disclosures about investment risks. We recommend reviewing this information carefully as part of your decision-making process.
Review Technical Requirements
Ready to Start Planning?
We're accepting new clients for consultations beginning March 2026. If you're thinking about your long-term financial strategy and want to work with advisors who prioritize patience over panic, let's talk. Initial consultations take about ninety minutes and there's no obligation to move forward.