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Chernick James Tse & Associates Wealth Counsel

From your portfolio to your financial plan, every piece working toward the bigger picture.

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Your Legacy. Our Commitment.

For almost three decades, Chernick James Tse & Associates Wealth Counsel has been a trusted name in wealth management in Vancouver, BC. Our mission is to educate, enable, and empower clients across generations, serving as trusted stewards of their wealth. We are committed to advocating for our clients' financial well-being, ensuring lasting legacies through thoughtful succession and continuity planning. Rooted in trust and integrity, we deliver personalized, holistic advice that transcends generations.

We believe in the power of direct, personal relationships. We handle all aspects of your wealth management within our dedicated team, ensuring you receive consistent and attentive service. With years of experience in tax and estate planning, we work directly with you. We take the time to understand you, your family, your relationships, and the unique dynamics that make your story yours. This connection allows us to tailor financial, tax, and estate planning strategies that genuinely reflect your individual circumstances and aspirations.

As your portfolio managers, we share this commitment to personal service. We don’t just manage your investments; we invest in understanding your life's goals and aspirations. By knowing you and your family personally, we ensure that your investment portfolio aligns seamlessly with what matters most to you. This hands-on approach your financial strategy is as unique as you are, designed to meet your specific needs and objectives.

No matter where your journey takes you, we will be there to support you with unbiased advice and the experience needed to help protect and grow your wealth.

Why Clients Choose Chernick James Tse?

01

One Integrated Team

Planning, tax strategy, estate considerations, and portfolio management are handled collaboratively within our team, so each part of your financial life works together.

02

We Manage Your Portfolio Directly

No outsourcing. Your investments are managed directly by our team, the same people who understand your full financial picture and are accountable for the outcomes.

03

Independent, Unbiased Advice

As part of Richardson Wealth, we have no proprietary products to sell and no quotas to meet. Every recommendation we make is based entirely on what is right for you.

04

Built for the Long Term

We do not manage accounts, we build lasting relationships. Our clients come to us at all stages of life, and many stay with us across generations.

A Team Built Around You

Behind every financial strategy is a personal story. Our team of four specialists - spanning investment management, financial planning, tax, estate, and wealth advisory - takes the time to understand yours. With decades of experience serving families, professionals, and business owners across generations, and an industry-leading range of designations including CFA, CPA, CFP®, CIM®, FEA, CLU, MTI®, TEP, CHS, and MFA-P, we bring the depth and breadth to handle even the most complex financial situations. The same people who learn your story are the ones building and managing your plan - directly, personally, and for the long term.

Learn more about our team members and their backgrounds →

Team

Commentary & Insights from Our Team

Perspectives from our team on markets, wealth planning, and the financial decisions that shape long-term outcomes. Below are our latest insights — view our full archive here.

Confusion as the Steady State

May 01, 2026 - Jack James

Markets have begun to move on from last month’s surge in uncertainty, even as the situation remains unresolved. A familiar pattern - where volatility reflects shifting narratives more than changing fundamentals, and where a steady hand matters most....

Read more

Pressure Points

Mar 27, 2026 - Jack James

Geopolitical tensions have rattled markets. We share perspective on what's driving volatility and why discipline matters most when uncertainty feels highest....

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The Uncertainty Discount

Mar 04, 2026 - Jack James

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Headlines First, Fundamentals Later

Feb 06, 2026 - JACK JAMES

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Reflections and Inflections

Jan 19, 2026 - JACK JAMES

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Frequently Asked Questions

Who do you typically work with?
We work with families, professionals, and business owners at all stages of life - from those still building their wealth to retirees focused on protecting and passing it on. What our clients tend to have in common is a desire to hand the complexity of managing their financial lives to a team they can trust, and to get on with living. If that sounds like you, we'd love to have a conversation.
Where are your clients located?
While our office is based in downtown Vancouver, our clients are spread throughout the Lower Mainland, across British Columbia, and from coast to coast across Canada. We are happy to connect in person, by phone, or virtually - whatever works best for you.
Is there a minimum investment to work with your team?
We work with a wide range of clients and our relationships vary in size and complexity. Our practice is best suited to households looking for comprehensive, integrated wealth management who want a dedicated team managing the full picture. If you're unsure whether we're a good fit, the best first step is simply a conversation - we're happy to talk it through.
What can I expect when I first reach out?
A first conversation is simply a chance to get to know each other. We will ask about your situation, your goals, and what has brought you to us. You will have the chance to ask us anything you would like. There is no obligation and no pressure. If it feels like a good fit on both sides, we will talk about next steps.
How are your fees structured?
We charge a transparent management fee based on the total value of assets we manage on your behalf. The fee is tiered - meaning the percentage decreases as your assets with us grow. Fees are billed monthly in arrears and drawn directly from your account, so there is nothing to pay out of pocket. There are no commissions, no transaction fees, and no hidden costs. A detailed fee schedule is available on request.
Do you charge separately for financial planning?
No - comprehensive financial planning is included as part of our service. This covers retirement planning, tax strategy, estate planning, philanthropy planning, and more. We think of planning as central to what we do, not an add-on.
What is discretionary portfolio management and what does that mean for me?
Discretionary portfolio management means that once we agree on your investment objectives and overall strategy, our team makes the day-to-day investment decisions on your behalf - without needing to call you every time we buy or sell. You are not expected to monitor markets, research companies, or decide when to make changes. That responsibility sits with us.

We build portfolios using a range of tools depending on your situation and objectives - including individual equities, fixed income securities, ETFs, and alternative investments where appropriate. The mix is always tailored to you.

For most of our clients, this provides genuine peace of mind - knowing their investments are being managed thoughtfully by a team that is fully accountable for the outcomes.
What kind of investment returns can I expect?
This is a question we hear often, and we think it is worth answering honestly. We focus on building portfolios designed to grow wealth responsibly over the long term - protecting capital, managing risk, and compounding returns over time. We do not promise specific returns, and we would be cautious of anyone who does. We do have long-term track records for the investment models we run, and we are happy to share those on request. What we can promise is a disciplined, transparent process and a team that is fully invested in your outcomes.
How does your team work together?
Our team includes four specialists covering portfolio management, financial planning, tax strategy, and estate planning. We work closely with your existing accountants, lawyers, and other professional advisors - coordinating and quarterbacking the efforts across your full financial picture. Rather than referring you out to different advisors for different needs, we make sure everything is connected and working together on your behalf.
What makes Richardson Wealth different from a bank?
Richardson Wealth is fully independent - there are no proprietary products to sell, no sales targets, and no pressure to put clients into in-house funds. Every recommendation we make is based entirely on what is right for you. As a client, you work directly with experienced portfolio managers and advisors who know your name and your story - not a call centre or a rotating roster of junior staff.
How do you keep my money safe?
Your assets are held at Richardson Wealth, a Member of the Canadian Investor Protection Fund (CIPF) and regulated by the Canadian Investment Regulatory Organization (CIRO). Richardson Wealth Limited is a subsidiary of iA Financial Corporation Inc., one of Canada's largest financial institutions, providing additional institutional strength and stability behind your assets. CIPF protection covers client assets in the unlikely event of insolvency.
What professional designations does your team hold?
Our team holds designations across investment management, financial planning, tax, estate planning, and philanthropy:
  • CFA (Chartered Financial Analyst) — focused on investment management and portfolio analysis. Learn more
  • CPA (Chartered Professional Accountant) — Canada’s accounting, tax, and financial credential. Learn more
  • CIM® (Chartered Investment Manager) — covers discretionary portfolio management in Canada. Learn more
  • CFP® (Certified Financial Planner) — focused on comprehensive financial planning. Learn more
  • FEA (Family Enterprise Advisor) — focused on governance, succession, and continuity for family enterprises. Learn more
  • CLU® (Chartered Life Underwriter) — focused on advanced insurance and estate planning strategies. Learn more
  • MTI® (Estate & Trust Professional) — focused on trust, estate, and fiduciary matters. Learn more
  • TEP (Trust and Estate Practitioner) — internationally recognized designation in trust and estate planning. Learn more
  • CHS™ (Certified Health Insurance Specialist) — focused on health and living benefits planning. Learn more
  • MFA-P™ (Master Financial Advisor - Philanthropy) — focused on philanthropic and charitable giving strategies. Learn more

Let's Start a Conversation

Our clients come to us at all stages of life - building wealth, navigating major decisions, planning for retirement, or thinking about the legacy they want to leave. What they share in common is a desire for an experienced team they can trust to handle the complexity, so they can focus on what matters most to them.

If that sounds like what you're looking for, we'd love to hear your story.

Get in Touch →