The Big Picture
Getting the right investment advice is a key part of managing your wealth, but it's just one part of a bigger picture. Whatever your needs may be – and how complex your big picture – my team and our extended partners are here to help.
Investment planning
Investment and financial plans can help answer important questions affecting your family’s financial situation, such as:
- What does my current financial situation look like?
- Can I retire when I want?
- If I live to 90, will I have sufficient funds to maintain my current lifestyle?
- Will I leave sufficient assets to provide for my family?
- Could my business survive a major change or crisis?
An advisor can create a customized plan for you that helps answer these questions while considering multiple objectives. These objectives may include risk tolerance, time horizon, your attitude towards social responsibility, market conditions, and your ever-changing needs.
Products and services
By building a strong relationship with you based on trust, our team can help you feel confident knowing you have access to every type of investment option available. We carefully implement your strategy using a broad range of best-in-class products and services, including but not limited to:
- Equities/stocks trading on Canadian, U.S. and international exchanges
- Guaranteed Investment Certificates (GICs), Treasury Bills, Notes, and other fixed income investments
- Mutual funds
- Exchange-traded funds (ETFs)
- A+ Unified Managed Accounts (a combination of elite money managers, investment pools, mutual funds, and ETFs within a single, tax-efficient portfolio)
Retirement planning
A strong retirement plan can address your current needs while staying on track for long-term goals. Whether you are saving for retirement or ready to retire, we will help you achieve a great balance between protecting your hard-earned wealth and growing it enough to ensure that your retirement years are comfortable and secure.
Retirement strategies created when you are 45 do not always make sense when retirement arrives. You want to enjoy this new chapter in your life while not being overwhelmed by all the financial decisions and to-dos. That’s why our solutions and services are personalized to meet the needs of each stage of your life. We help you address concerns around maximizing your retirement savings, choosing the appropriate products, while looking at several factors such as risk tolerance, income sources, spousal financial situations, and insurance needs. We can help you make sure you do not outlive your money.
Estate planning
Any estate plan should accomplish at least two goals: Distributing assets based on your wishes, and minimizing tax liabilities. Helping you build and effectively manage your wealth is just one of the ways we can help meet your needs. My team creates solutions that may integrate insurance policies to protect your wealth during your lifetime while preserving the value of your estate to be passed on to the next generation based on your legacy. Whether it be intended beneficiaries or a charity, having an estate plan can ensure that your property and wealth remains in the hands of the people and causes you care about.
If you or someone you know has been appointed as an executor, let us know and we can help ease the burden through our partners at Royal Trust.
Insurance planning
Many people understand the value of insurance, yet very few use insurance that is appropriate for their plan or, worse, do not understand the financial repercussions of a major health event or serious accident. Without insurance planning, you may be financially exposed to risks.
With my expertise, and the help of our insurance partners, we can enhance your retirement income, protect your family's or business finances from difficult events, all while maximizing the value of your estate for your beneficiaries.
Business planning
Whether you are currently a business owner or thinking about becoming one, the decisions you make today will have far-reaching implications – not only for your business, but also for you and your family.
Working with our team, RBC Wealth Management brings together the solutions you need in key areas such as financial planning, private banking, investment management, estate and trust services, credit and lending solutions, commercial banking, and small-business banking partners at RBC.
Education planning
Many people think education planning solely involves determine the cost of post-secondary education and associated expenses, and simply saving enough money to cover those amounts. However, education planning encompasses much more. The ability to afford post-secondary education is an important influence on a child’s future employment status, earning power, level of career satisfaction, and overall quality of life.
There are many ways you can save for a child’s education, such as a Registered Education Savings Plan (RESP), non-registered account or creating a formal trust. Whichever plan you are using, I’ll help you to optimize performance, ensuring that you are able to give your child the gift of knowledge.
Charitable giving
Donations can be powerful way for you to create a positive impact in the world – whether by helping fund medical research, environmental, social endeavors or helping people in need. Your charitable giving can help changes lives for the better. It can also be used as an important financial tool as part of your tax and estate planning.
You have many choices available to you when developing a charitable legacy. These options include setting up an endowment fund or a private foundation, or a more convenient alternative such as a Charitable Gift Program at RBC Wealth Management.
My team and I will work alongside your qualified tax and legal professionals to ensure your circumstances are properly considered, and your philanthropic planning best suits your goals and objectives.
Making sense of the financial markets and the wider world today isn’t easy, but having the right team on your side makes all the difference. When I need the latest information related to your portfolio, I connect with RBC’s portfolio advisory group and investment strategy committee. These groups are comprised of senior economists, portfolio strategists and research analysts.
Together, we can help you secure your financial future!
