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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 investments. Your financial plan. One team.

Chernick James Tse & Associates Wealth Counsel offers integrated wealth management for families, professionals and business owners. We manage your portfolio directly and bring financial planning, tax and estate strategy together around the bigger picture.

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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.

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Team

Where you’ll find us

Our office is located in Guinness Tower in the heart of downtown Vancouver. It is where our team works together every day - sharing ideas, solving problems, and looking after the details of our clients' financial lives.

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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.

Life, Markets & a Changing World

Oct 23, 2026 - Alysha Tse

A different perspective this month, from appreciating life's everyday moments and planning for the future to navigating changing markets, the role of tactical investing and the growing importance of cybersecurity....

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Bottlenecks, Bond Vigilantes & Breakthroughs

Sep 10, 2026 - Jack James

Markets may look calm on the surface, but there is a lot happening underneath. This edition looks at the stories, risks and opportunities we think matter most right now....

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The June Swoon and the Return of Selectivity

Jul 02, 2026 - Jack James

June brought a healthy pause after the sharp spring recovery, as volatility returned and some froth came out of the market’s more speculative corners. The broader investment story remains intact, with the focus returning to earnings and selectivity....

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The Wall, The Worries, and The Winners

Jun 04, 2026 - Jack James

Markets climbed through a long list of worries to start the year. The reason why comes back to one thing: earnings are finally catching up to the hype...

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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....

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Frequently Asked Questions

What services does your team provide?
We help with the different pieces of your financial life and make sure they work together. That includes managing your investments, financial and retirement planning, tax and estate planning, charitable giving, and helping you think through important financial decisions as they come up. For more complex situations, we also work closely with your accountant, lawyer, and other professional advisors.
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.
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.
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.
Who actually manages my investments?
We do. Your portfolio is managed directly by our team rather than being handed off to an outside manager. Once we understand your goals, time horizon, and comfort with risk, we build and manage an investment strategy around you and make the day-to-day investment decisions on your behalf.
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 can you help with tax and estate planning?
Tax and estate planning are an important part of how we help clients manage their overall financial picture. We can help you think through issues such as how and when to draw income, how investments are structured and taxed, estate and succession planning, and strategies for passing wealth to family or charity. When legal or accounting advice is required, we work alongside your accountant and lawyer to help make sure everything is coordinated.
How do you help clients with philanthropy?
We help clients structure charitable giving in a thoughtful and tax-efficient way through the use of donor-advised funds and gifts of securities. We can also help establish and manage the charitable investment portfolio, coordinate ongoing grants, and make sure philanthropy fits with your broader tax, investment, and estate planning.
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.
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 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.
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.

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