The People Behind Your Investment Strategy
We're a small group based in Welland who've spent years working with people looking to make sense of their savings. Not investment bankers. Just folks who understand what it's like to have a few thousand dollars and wonder what's next.
Started in early 2023 after seeing too many friends get burned by complicated platforms and confusing advice. We focus on accessible strategies that don't require six-figure portfolios.
How We Actually Work
Most investment firms treat small capital like an afterthought. We started because we kept meeting people in Niagara Region who had anywhere from $2,000 to $25,000 saved up and wanted to do something smarter with it than letting it sit in a basic savings account.
There's this weird gap in financial services. You're either wealthy enough for a wealth manager or you're on your own with apps that assume you already know what you're doing. We sit in that middle space and help translate investment concepts into language that makes sense.
Been working this way since 2023. Our client base grew through word-of-mouth because people appreciated straight answers about risk, realistic timelines, and what different investment vehicles actually do.
Education First
We spend the first few meetings explaining what you're actually buying when you invest. Not generic advice—specific breakdowns of what happens to your money.
Realistic Projections
No promises about returns. We show historical data, explain volatility, and help you understand what different scenarios might look like over 3-5 years.
Portfolio Building
We work with what you have. If it's $5,000, we build from there. Not trying to upsell you into products that don't fit your situation.
Ongoing Access
Questions come up. Markets shift. We stay available via email and quarterly check-ins to adjust strategies as your situation changes.
Results From Real Clients
Average client relationship duration as of March 2025
Median starting investment amount among current clients
Clients who maintain their investment strategy after first year
Average portfolio adjustments per client annually
Who Handles Your Questions
Small team. Everyone talks to clients directly. No call centers or account reps who don't know your situation.
Valter Kuusisto
Lead Investment Advisor
Spent 11 years at a mid-size investment firm before getting tired of the minimum account requirements. Holds CFP certification and actually answers his own emails. Started Tywar Bxoux because he wanted to work with regular people building modest portfolios. Lives in St. Catharines, drinks too much coffee, and genuinely enjoys explaining compound interest to anyone who'll listen.
Common Questions We Get
What if I only have $3,000 to start?
That's fine. We work with initial investments between $2,000 and $30,000. At $3,000, we'd typically recommend a simpler portfolio—maybe two or three index funds rather than individual stocks. Less complexity means lower maintenance and fewer decisions to track.
How do I know if my strategy is working?
You'll see actual numbers in your account. We help you interpret what those numbers mean in context—comparing against benchmarks, explaining why things went up or down, and adjusting expectations based on market conditions.
What if I need to pull money out?
Your money stays accessible. Different investments have different timelines—some you can withdraw from in a few days, others might take a bit longer. We explain liquidity when setting things up so you know what's flexible and what's better left alone.
How a Typical Client Relationship Develops
Initial Contact
First Conversation (No Commitment)
Usually starts with an email or call. We ask about your current savings, what you're hoping to accomplish, and your comfort level with risk. Takes about 45 minutes. We'll tell you honestly if we think investing makes sense for your situation or if you'd be better off focusing on debt or emergency savings first.
Strategy Development
Building Your Investment Plan
If you decide to move forward, we spend 2-3 meetings creating a specific strategy. We explain different investment types, show you what various portfolios look like, and help you choose an approach that matches your timeline and risk tolerance. You'll leave understanding exactly what you're buying and why.
Implementation
Setting Up Your Investments
We help you open the necessary accounts and execute your initial purchases. This part usually takes a week or two depending on how quickly paperwork gets processed. We walk you through accessing your accounts and reading your statements so you can track things yourself.
Ongoing Management
Regular Check-Ins and Adjustments
We schedule quarterly reviews to look at performance and discuss whether any changes make sense. Between meetings, you can email questions anytime. Most clients also add money periodically—we help figure out where new contributions should go based on your current allocation and market conditions.
Want to Talk About Your Savings?
We offer free initial consultations to discuss whether investing makes sense for your situation. No sales pitch—just an honest conversation about your options.
Location and Contact
We're based on Silverthorn Street in Welland. Most meetings happen over video call, but we're happy to meet in person if you're local. Office hours are typically Tuesday through Friday, 9am to 5pm.
Prefer email initially—gives us time to review your questions properly and send detailed responses. Phone calls work too, but email ensures you have written records of everything we discuss.
262 Silverthorn St, Welland, ON L3B 5N4
Phone: +1 587-579-5709
Email: contact@tywarbxoux.info
