20Twenty Wealth Management

Your investments matter.

Who We Are & What We Do

Take a moment to learn about the vision and purpose of 20Twenty Wealth Management in the video below.

Wealth Management


Our mission is to provide clients solid financial advice, while maintaining the highest degree of integrity.

Government Pension Specialists

We aim to provide an edge for investors seeking risk control and consistent performance.

Retirement Income Specialists

An effective retirement income plan will address your changing needs throughout retirement.

Intergenerational Wealth Transfer


Proper planning to place more wealth in the hands of your heirs and less in the hands of the taxman.

Asset Protection



Market Shield to protect your investments.
Income Shield to protect your family.

Need Advice?


Different stages of life prompt different questions. We find a layering of advice is often needed.
As we pass from one stage to the next, priorities change…and strategies often change with them.

Stage 1

20 & 30 Somethings - Investing 101 - Let us explain the basics.
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A registered retirement savings plan (RRSP) is an account designed to help Canadians save for retirement.

The money in an RRSP can be used to buy a whole host of investments—mutual funds, ETFs, stocks, bonds, and the like. While the investments are held in your RRSP, you won’t have to pay tax on any interest, dividends, or capital gains you earn.

If you contribute to an RRSP with After Tax money, you will receive a tax deduction for the year in which you contributed.

The Tax-Free Savings Account is an investment instrument available in Canada that provides tax benefits for saving.

Investment income, including interest, capital gains and dividends, earned in a TFSA is not taxed in most cases, even when withdrawn.

It really depends on individual situations.

In short an RRSP works best when the investor is either in the higher tax bracket or consistently contributes the tax returns gained from deductions back into investments.

The Tax Free Savings is an excellent vehicle to allow you to save less than you would in and RRSP, but receive the same net after tax on retirement.

Ideally everyone should have both in their portfolio upon retirement.

An RRSP is an investment instrument.

A mutual fund is a basket of stocks and bonds one can invest in within an RRSP. Other investments used underneath the RRSP “Umbrella” include GIC’s, Money market, Stocks, Bonds and Long Term Savings accounts.

The short answer is “both”.

Most work pensions (like the Public Employee Pension Plan) provide matching employer contributions to a certain point. We recommend maximizing this benefit. Doing so, in effect, doubles your money as you contribute.

However, any money you have available for investment over and above the maximum matching contribution should be invested with an independent financial firm (such as ours!). This is because most pension plans lack flexibility and have limited investment fund options.

There are a number of things you can do to ensure you have enough to retire (while still being able to live your life along the way).

Most importantly is to start investing, invest monthly and STAY invested.

Investing monthly will help average out the ups and downs of the market and ensure that you are “buying low” when the opportunity arises. Staying invested makes sure you don’t make the mistake of an emotional withdrawal from a down market, thus crystalizing a loss.

Stage 2

40 & 50 Somethings - Time to have the conversation about what retirement might look like for me and make sure I am on the right track…
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Believe it or not, the single greatest threat to your retirement nest egg is not a market crash. It is a catastrophic and prolonged illness requiring long term care.

A married couple has a 60% chance of an illness requiring long term care in their lifetime.

The average length? 3 years. The average cost? $40,000 per year(not including lost income).

Insurance should be considered to offset potential costs. Otherwise, it will be your retirement portfolio that will ultimately be tapped to cover the bills.

Two words: Buy In.

Ask yourself, if you were in the market for a new home, would you want to buy when the market is smoking hot or depressed?

Right! It is the same with Mutual Funds.

When the market experiences a downturn, think of it like a “close out sale” at Costco. The lower the unit cost of the underlying funds you buy, the greater the return when the inevitable bull market revs up. Problem is, we can never predict when the “top” or “bottom” of the market will hit.

The best way to make sure you get some of these deals is to invest Every Month and Stay invested.

Simply put the lower your risk tolerance, the lower your return potential.

We will spend a great deal of time with you to discover your risk tolerance.

Your Risk Tolerance = the investment risk level you can put up with and still sleep at night.

The best way to ensure tax efficiency in the future is to not “over-weight” your registered investments.

Balance your registered investments with non-registered investments like TFSA and open investments.

Many retiring folks who grew up just “drinking the RRSP Kool-Aid” are now finding themselves facing Old Age Security claw backs and being forced into a higher tax bracket.

That’s what we are here for!

We work together with our clients to help them project how much income they will need in retirement. We project everything from standard monthly expenses to annual trip money, hobby’s and discretionary spending. Once we create this “destination”, we work out a “roadmap” for the most efficient way to get there.

Every year we get together to make sure we are on track.

Stage 3

Retirement Ready?


How much do I have to live on?


Will I run out of money?


When do I take Canada Pension Plan?

How do I protect my PEPP or Government Pension from another 2008-type crash?


How do I avoid over taxation?


How can I transfer my wealth to my kids, tax efficiently?


If you are in Stage 3 now, there are no quick “clickable” answers to these questions. Throughout Stage 2, our responsibility is to make you ready for Stage 3; Plans in place, strategies running.

If we didn’t get a chance to meet you prior to this stage, lets get together. We would love to meet you and help you design your golden years knowing the answers to these often asked questions.

What Makes Us Different


So why choose 20Twenty Wealth Management? What makes us different than saving/investing through financial institutions?

THEM

Chartered banks and large institutional investment houses discriminate against people who don’t meet their asset threshold. Unless you have more than $250,000 in investments you don’t get to meet the pros. Ever.

Walk into a bank with less than $250K and you are stuck with the minor leaguers. It is almost impossible to obtain consistent advice from a “Personal Financial Service Representative” (PFSR) at a bank branch. In fact, you will be lucky to see the same rep twice in a row.

Welcome to “McInvesting”. Your PFSR isn’t interested in providing retirement investing advice. They exist to sell you products, their products and only their products. Their funds, their home equity lines of credit, their mortgages, their insurance.

At large institutional investment houses the threshold for the top advisors is even higher. Many of these firms recently “fired” or “demoted” clients with less than $500,000 in investable assets.

These larger firms offer a lot of the same strategies and have many of the same tools as we provide our clients. They are just not willing to give them to you because they don’t deem you to be “valuable” enough.

US

We have clients with a few thousand dollars, we have clients with millions. We have never turned a client away. That’s because we believe that todays $50,000 client is tomorrows $500,000 client (if we all do our jobs right). We start giving fee discounts to clients who have household investment holdings (both spouses and kids combined), totalling just $100,000! High net worth pricing you don’t have to be rich to receive.

We don’t sell anything. We provide advice, develop strategies and create plans for our clients to achieve their goals and dreams. We are in the business of developing relationships with our clients. You see, we feel that a relationship is infinitely more important than a transaction. Developing relationships with our clients helps us do better work. The bank employee has no vested interest other than collecting a paycheque from the corporation by doing what they tell her/him to do. We are our “corporation”. Our vested interest is in you and your family; in creating your wealth; in protecting your wealth. In fact, our paycheques depend on it.

Who would you rather discuss your financial future with? A salaried bank employee, or a friend you have in the business? We hope to be your friends in the business.

Our Team


Bryan Baker

Managing Partner
Investment Funds Advisor
Retirement Income Specialist
Insurance Advisor

Jodi Krechowiecki

Managing Partner
Investment Funds Advisor
Retirement Income Specialist
Insurance Advisor

Tracey Hartl-Chapman

Junior Associate
Investments and Insurance

Tanya Bowers

Executive Administrator

Contact Us

Phone: (306) 721.2401

Suite 100 - 1170 8th Ave., Regina SK S4R 1C9

Fax: (306) 352.9226

Business Hours

  • Monday - Thursday • 8:30am to 4:00pm
  • Friday • 8:30am to 2:00pm
  • Saturday & Sunday • CLOSED

Mutual funds and/or approved exempt market products are offered through Investia Financial Services Inc. (“Investia”). Mutual funds and exempt market products are sold exclusively by Representatives who are licensed by provincial regulators and registered with Investia.Commissions, trailing commissions, management fees and other expenses may be associated with mutual fund/exempt market product investments. Please read the Fund Fact or prospectus carefully before investing. Mutual fund and exempt market product investments are not guaranteed, their values change frequently, and their past performance may not be repeated.