This one needs an honest framing up front: Wellington-Altus is a wealth-management and advisory firm, not a walk-in currency counter. Comparing it to us on a spot exchange rate would be comparing two different things. The useful question is how the two fit together — how a wealth client whose plan involves US-dollar holdings, cross-border property, or precious metals uses a dedicated FX specialist for the currency leg. That is where we come in.
They are not the same service. Wellington-Altus advises on the portfolio; a currency specialist executes the conversions inside it. Where an advisor manages the plan, we handle the FX leg — with a written guarantee to beat a genuine competing quote on those conversions.
The deciding factor: You keep your advisor for the plan, and use a specialist for the currency execution.
Where we are equivalent, the table says so. Where we differ, it says that too.
| Criteria | CanAm Currency Exchange | Wellington-Altus |
|---|---|---|
| What they are | A dedicated currency exchange specialist, executing conversions and transfers | A wealth-management and advisory firm — planning and portfolio management, not a retail exchange counter |
| The FX leg of a plan | ✓ Yes — Register free and convert at up to 3% better than the banks, no transaction fees, with a written rate guarantee | Currency conversion is typically arranged through banking or FX providers rather than executed in-house — confirm your advisor's arrangement |
| Regulation | FINTRAC registered for money services; segregated client funds; written trade confirmations | Securities and advisory regulation is separate from money-services registration — different oversight for a different service |
| Cash & walk-in | ✓ Yes — Walk-in at 3234 Dougall Ave, Windsor, with in-store cash exchange and no in-store minimum | Advisory relationship, generally not an over-the-counter cash service |
| Precious metals | ✓ Yes — RCM authorized precious metals dealer in the same group — physical bullion for the allocation an advisor recommends | May recommend a metals allocation; the physical purchase is executed through a dealer |
| How they work together | We handle the conversions and, where relevant, the physical bullion inside the plan | Sets the strategy; you bring the FX and bullion execution to a specialist |
Statements about Wellington-Altus reflect its general, publicly described service model and may change — confirm its current rates, terms, and registration directly before deciding. A wealth-management relationship and a money-services provider are regulated separately and serve different purposes.
Three ways a wealth relationship and a currency specialist divide the work.
Asset mix, cross-border exposure, and any precious-metals allocation are decisions for your advisor. Nothing here changes that relationship.
When the plan calls for converting CAD and USD, a dedicated specialist prices the trade — register free and convert at up to 3% better than the banks with a written guarantee to beat a genuine competing quote on that conversion.
If the plan includes physical metal, our RCM authorized sister company supplies it, so the FX and the bullion run through one relationship.
An advisor sets the strategy; the conversions and any physical metal still have to be executed somewhere. CanAm is that layer: FINTRAC-registered CAD/USD conversion at up to 3% better than the banks with a written rate guarantee, plus RCM authorized bullion under the same ownership. The advisory relationship stays exactly where it is.
Not exactly — Wellington-Altus is a wealth-management and advisory firm, while CanAm is a currency exchange specialist. We are complementary: an advisor sets the strategy, and we execute the currency conversions and any physical bullion inside it.
Yes. Where a plan involves US-dollar holdings, cross-border property, or a metals allocation, we convert at up to 3% better than the banks with no transaction fees and a written rate guarantee, and we can supply physical bullion through our RCM authorized sister company.
No. The advisory relationship and the FX execution are different services. Many clients keep their advisor and simply route the currency and bullion legs to a specialist.
$1,500 online with some flexibility, and no minimum in-store in Windsor.
We are FINTRAC registered, hold client funds in a segregated account at a major Canadian financial institution, confirm every trade in writing, and have completed over $1 billion in transactions.
Your plan stays with your advisor; the currency conversions and any bullion run through a specialist with a written rate guarantee.
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