About Us

Ravi Malhotra, founder member of NIIM-Wealth Management began his career in Asian world as banker 35 years ago and learned early on there are a few simple things that investors expect: Straight-forward guidance, fair cost, efficient asset management, transparency, good reliable service, and proven investment results. In a journey which took him from bank’s individual asset manager to becoming one of the industry’s top wealth managers in Canada after working with different multinational companies and banks in Middle East and Canada, Ravi Malhotra’s focus never changed. When his work with Bank’s failed to yield maximum benefits to his valued clients, he set out to build a private, wholly-owned independent investment firm. That firm is NIIM Wealth Management Today, NIIM Wealth Management serves the investment needs of high net worth individuals who are given direct access to institutional portfolio management through Mutual Fund/Seg Funds of top investment companies.

Over the years, Ravi Malhotra and his team have developed several earnings focused equity strategies through MF/Segregated funds, along with their tailored Yield-Focused Fixed Income discipline. The firm’s team of financial planners, analysts, and other industry experts provide clients not only with the best planning advice, but maximized portfolio results through direct portfolio management. And unlike most investment firms where advisors charge high fees to invest in third-party funds with hidden costs, NIIM Wealth Management Portfolio Direct Equity Indexes and Fixed Income portfolios with F class Mutual Funds/Segregated funds eliminate the disadvantages of MER charged in mutual funds. 

For over 35 Years Ravi Malhotra and his team have been putting the needs of their clients first. Ravi Malhotra has been recognized several times as one of the industry’s top financial advisors by investment firms and brokers. Ravi Malhotra found that portfolio results have a direct correlation to portfolio efficiency, so he established different principles of investing referred to as Efficient Portfolio Management. These guiding principles are what drives NIIM-Wealth Management Equity and Fixed Income Management, which ensures our clients will achieve the best results.

HOW WE ARE DIFFERENT

Unlike other investment firms, NIIM-Wealth Management directly manages money for their private client (Institutional Direct). We also have a team of CFP’s, CPA, CGA, and other industry experts that work together to help each client. We not only provide investment services but we do full financial planning for individuals and companies by taking care about following service areas-

1. Building Wealth & Investment Planning
2. Risk Planning
3. Education Planning
4. Mortgage Planning
5. Tax Planning
6. Retirement Planning
7. Estate Planning
8. Pension Planning

This enables each client to plan, manage, and navigate before and during retirement. The main benefit is that our structure removes unnecessary layers of fees.

How We Compare to Others

Many of our clients come from local, regional and national investment firms and independent advisors. Many are referred to us by other clients.

The seven most common reasons why investors move from other

Investment advisors are:

• Poor results
• Substandard service
• No formalized investment discipline
• High hidden fees
• Offered only one type of funds
• Reactive approach
• Lack of transparency

Because of our founder’s background and history of seeing the high cost of different funds and poor customer service, NIIM Wealth Management set out to build portfolios directly. This helps reduce investor costs by hiring the asset manager directly. This takes away hidden fees and pricing disadvantages of different investment products.

Our Beliefs and Convictions

Our belief and Convictions are that no two clients have the same needs, but each client has the same desire when it comes to their portfolio. Over the 35 plus years of banking experience and managing high net worth individuals, our founder, Ravi Malhotra, realized there are 11 key needs or desires that each investor or client has.

The key needs for each individual client are:

• Results matter
• Minimizing cost matters
• Managing and understanding of risk
• Having a clear, well thought through plan
• Education and transparency are key
• Excellent service and reporting
• Managing and building portfolios directly is important
• Tailoring each portfolio
• Giving investors access and control of holdings
• Education and insight are invaluable
• Always be available

The History of NIIM-Wealth Management

Ravi Malhotra began his career some 41 years ago, when he joined as Management Trainee in one of the reputed bank in Asia and offered a client investment training program internship firm .Little did he know that the journey he would take – from small wealth manager to working with multinational companies and investment firms in different part of the world – would lead him to founding one of the industry’s reputed wealth management firms serving high net worth investors. Ravi Malhotra began his career as banker in 1980’s with one of the top Banks in Asia and served in different capacities as manager, assistant vice president, vice president and managed wealth for individuals and companies till 2000.In 2001 he moved to middle east and worked with different multinational companies in the capacity as General Manager and managed their investment funds for companies and their employees funds

In 2004 Ravi Malhotra moved to Canada and worked as manager and investment advisor for 3 years after that he decided to set up his own firm in 2007 and that is how NIIM- Wealth Management firm born. He built up team of advisors who all work on following eight principles

• Clients’ needs come first Client planning is important, but results are the engine that ensures we meet client’s expectations
• Education on how to achieve goals is essential
• Full transparency is a must
• Understanding risk is key
• Efficient portfolio construction
• Minimize cost and taxes
• Ongoing monitoring

Mission

• At NIIM-Wealth Management, we turn client dreams into plans.
• Our mission is to get to know and understand client needs, wants, and long-term goals. We want to help client develop, implement, and monitor a strategy that’s designed to address his/her/their individual situation.
• At our firm, we have the client—and only the client—in mind. We understand the challenges families face today.
• From managing debt to saving for college to retirement, these personal finance challenges can be overwhelming. Our commitment is to utilize all of our resources to help the client pursue his/her/their objectives while providing him/her/them with comprehensive wealth management.
• We believe in thinking “out of the box” and we are not afraid to challenge conventional wisdom in our approach to investing and preserving wealth. All of our energy, commitment, and efforts are focused on client, the client, and client satisfaction.
• Our staff consists of experienced financial advisors and professionals with a “hands on” approach to financial guidance. Not only will client find our team members knowledgeable, but client will also discover that our staff truly cares about helping client achieve his/her/their goals.
• As Financial Professionals, we will do everything in our power to keep client focused on where client want to go, advise client on how to get there, and continually remind client of the importance of maintaining a disciplined approach to help client realize his/her/their dreams.