Most investors don't set out to make their finances complicated.
It just happens.
You start your career and your employer sets you up with an RRSP. Great. A few years later you switch jobs, and that RRSP just... stays there. Because dealing with moving it seems like a hassle, and also, how’s it even doing? You're not sure. You'll check later.
Then at some point you open a TFSA at your bank because the person at the counter was very enthusiastic about it and you were there anyway. Later, you work with an advisor for a while. That relationship doesn't quite work out, so you move on—but the account stays where it is because, again, moving it sounds like too much time and too much frustration.
None of these decisions are wrong. They all make sense at the time.
But ten years later, you've got investments in four different places, three different passwords you can never remember, and a creeping sense that you should probably pay more attention to what you own than you currently do.
Welcome to portfolio fragmentation. It's extremely common and quietly expensive.
When accounts are scattered, basic questions become surprisingly hard to answer:
How much risk am I actually taking? (No idea—I would need to log into three places and add it up manually.)
Am I diversified, or do I just own the same stuff in different accounts? (Probably both?)
How much am I paying in fees? (Let's not think about that right now.)
Are these accounts working together? (They're definitely not working against each other. Probably.)
Here's the thing: scattered accounts don't feel like a problem until you try to make a decision. Then suddenly you're squinting at four different statements, trying to figure out what you actually own, and wondering why this is so complicated.
Bringing all your assets together fixes that. Not in a boring, administrative way—in a "oh, I can actually see what's happening now" way.
When everything is in one place, you can see your real asset mix. You know where your risk actually lives. You can make changes without logging into a bunch of different portals and hoping you didn't miss something.
At Steadyhand, we've built our entire approach around this kind of clarity. Our portfolios are designed to work together, not compete. Our fees go down as your assets grow, not up (wild, we know). And our team invests the same way our clients do—we eat our own cooking, as they say.
To make consolidation easier, we're offering a 1% Match Promotion on assets you bring over by May 31, 2026. We'll also reimburse transfer fees up to $150 + taxes and handle most the paperwork, because the paperwork is genuinely the worst part of this.
The 1% bonus is nice. But honestly? The real reward is never having to remember four different passwords again.