Mirador

Mirador Corporation is a Calgary-based independent wealth management firm founded in 2007 by Stan Clarke, a former RBC Dominion Securities vice president, and Joyce Clarke, a chartered accountant with a background in pension oversight and business valuation. The firm went fully independent in 2012 and has since operated without the product shelf constraints of a large institution, a distinction that defines its investment philosophy. The core offering is the Mirador Income and Stability program, structured as a unit trust in Canada and through individual securities in the U.S., targeting retirees and pre-retirees who prioritize consistent income and portfolio stability over growth.

The advisory offering extends beyond portfolio management into financial planning, tax coordination, estate planning, cash flow forecasting, and retirement structuring. Joyce Clarke's role involves coordinating between a client's tax, legal, and investment advisors, making the firm function as a quarterback across professional relationships rather than a single-service provider. The firm also applies behavioral finance principles to client profiling, with an optional investment personality study available.

Specific services offered include:

• Retirement income planning using RRSPs, TFSAs, CPP/OAS optimization, and employer-sponsored plans
• Tax-efficient withdrawal strategy design
• Estate planning integration with investment portfolio
• Fee-for-service financial plans at approximately CAD $1,800 for clients below the $500,000 minimum

The $500,000 initial capital threshold for complimentary advisory services and the Calgary-centric focus mean this firm is best suited to Canadian high-net-worth individuals and retirees seeking a boutique, relationship-driven alternative to bank-owned advisory. Wealth owners seeking institutional-grade infrastructure, international diversification support, or a large team with specialist desks will find the firm's two-person structure a meaningful constraint.

• Retirement income planning and cash flow structuring
• Portfolio management focused on income and volatility management
• Tax-efficient withdrawal and contribution strategy
• Estate and legacy planning integrated with investment portfolio
• Coordination of client tax, legal, and other professional advisors
• Financial planning including lifestyle cash flow modeling

• Mirador Income and Stability program via unit trust (Canada) and individual securities (U.S.)
• Behavioral finance-based investor profiling and investment personality study
• Registered account optimization (RRSP, TFSA, FHSA, RESP, CPP/OAS)
• Fee-for-service financial planning at approximately CAD $1,800
• Ongoing wealth advisory support included for clients at or above CAD $500,000 minimum
• Bloomberg Terminal-sourced data for technical and quantitative analysis
• Broker relationships with RBC Capital Markets and Goldman Sachs
• Tax planning and estate planning coordination

Built for Private Wealth Owners / Principals.

We provide custom reports depending on client requests and which technology platform they are operating.

Direct phone access at (403) 718-0125, contact form, and complimentary introductory consultation available.

Initial consultation via complimentary introductory call, followed by financial planning and portfolio onboarding.