THE NTPS PERSPECTIVE
Perspective that matters. Insight that moves.
Short-form commentary through the Ten-Points lens — exploring strategy, transformation, governance, and the tax, estate, and retirement conversations that are often deferred — for leaders and families navigating important decisions.
Strategy. Growth. Transformation
Ten points. One standard.
Building high-performing teams inside a consolidating financial services market.
Talent is scarcer than capital in this market. The firms winning the war for advisors and leaders are the ones treating team-building as a strategy, not an afterthought. Coming Soon
Governance and compliance as a growth enabler — not a constraint.
Most firms still treat governance as a cost centre — a set of controls that slows the business down in exchange for staying onside with the regulator. The firms pulling ahead in a consolidating market have quietly stopped believing that. As CIRO's consolidated...
IRP vs. IFA: Two insurance-based strategies, Two very different use cases.
Both use permanent insurance as leverage. Almost nothing else about them is the same — and the difference matters enormously to the right client.
The Portfolio Is Not the Plan
A portfolio can be well diversified, professionally managed, and performing exactly as intended — and still be solving the wrong problem. For HNW families and business owners, the more important question may be: what is the wealth actually designed to accomplish?
The Efficiency Illusion — What Leaders Measure vs. What AI Actually Changes
As Canadian financial services companies continue to increase their investment in AI, this piece explores the hidden value AI creates — in decision quality, risk resilience, and capacity — and what it takes to finally see it.
Intergenerational Wealth Transfer: Tax and Estate Conversations Delayed Too Long
The largest wealth transfer in Canadian history is already underway. Most families are having the conversation years later than they should.