Wealth management is more complex than "buying low and selling high". It's the complete picture of your financial and personal situation and considers your comfort level with risk, industries you favour, portfolio management tactics, solutions that generate returns - and confidence in your financial future.

 

Through the Bob Beiersdorfer/Jean Spicer Wealth Management team of RBC Dominion Securities, clients have access to an elite level of portfolio management, products, and services:

 

  • Individual, custom investment portfolios
  • Discretionary investment portfolios
  • Tax-assisted investment solutions
  • Charitable giving solutions
  • Financial and Retirement planning
  • Will & Estate consultation Services
  • Estate Protection

 

Discretionary investment management through Private Investment Management (PIM)

 

Through Private Investment Management, your portfolio is managed according to the highest standards. We monitor and manage all details, working within specific guidelines established in your Investment Policy Statement (IPS). In addition, an extensive team of RBC Dominion Securities professionals provides:

 

  • Investment strategy and research
  • Program standards for portfolio composition, quality and risk levels
  • Third-party oversight to ensure alignment with your IPS and program standards

 

Because your approval is not required for every single transaction, we are able to take advantage of investment opportunities quickly and efficiently. We follow strict investment management guidelines and formal reviews to ensure that your portfolio is managed to the highest standards of ethics and professionalism.

 

As a licensed Associate Portfolio Manager, Bob is uniquely able to offer discretionary portfolio management services. Before being registered as a Portfolio Manager, an Investment Advisor must have extensive experience advising clients, substantial assets under their direct management and have completed rigorous coursework. This ensures the added security our clients need to feel confident in their wealth management while we manage the day-to-day investment details.

 

RBC Dominion Securities A+ Program

 

The A+ Program provides convenient access to the most current thinking of RBC's senior portfolio strategists and carefully evaluated investment ideas from elite money managers worldwide within a highly customized, tax-efficient portfolio managed by RBC Dominion Securities.

 

The A+ Unified Managed Account [UMA] combines astute analysis of RBC's senior portfolio strategists with carefully screened money managers, top-ranked mutual funds and recommended Exchange-Traded Funds (ETFs).

 

With our next-generation UMA technology, we can combine these different investment vehicles and provide fully consolidated reporting across all asset classes, rather than reporting only by individual asset type. It also enables us to customize your A+ Portfolio with much greater precision and maintain the optimal level of diversification specific to your goals at each stage of life.

 

In conjunction with the Strategic Investment Research Group at Prudential Investments LLC, we identify 40-50 high quality money managers, drawing from a pool of 4,000+ investment management firms worldwide. This select group of managers is then invited to provide their recommended portfolios, which form the basis of our A+ Manager Models. Thoroughly evaluated, carefully selected and closely monitored on an ongoing basis, these models are intended to represent a consistently elite group.

 

Direct access to Fixed-Income and Money Markets

 

As part of our conservative approach to investing, and in response to the many clients who favour fixed-income investing such as bonds and GICs, we provide a range of fixed-income and cash management solutions to optimize free cash flows, maximize yield without compromising on security and ensure access to funds.

 

To tailor appropriate solutions, we tap into the deepest and broadest selection of secure money-market and fixed-income investments in Canada. RBC is a leader in all areas of the fixed-income and money markets, including virtually every Triple-A rated and R1debt instrument in the market.

 

Our extended team of fixed-income specialists-the RBC Dominion Securities Fixed Income Desk - assists us with trade execution on large or complex transactions, sources product and develops new products. The desk also includes portfolio advisors, who provide market commentary, credit and interest rate analysis and advice on portfolio structure.

 

Will & Estate Consulting

 

When most people hear the term estate planning, they typically think of their Will. While a valid Will is a fundamental component of any estate plan, there are several other elements that must be considered, such as:

 

  • Powers of Attorney
  • Insurance Coverage
  • Ownership Structures (i.e. the use of Joint Tenancy agreements)
  • Planning for incapacity
  • Trust structures
  • Taxes and probate at death
  • Planned charitable giving

 

As many of our clients have complex, high-value estates, we recommend estate planning as part of the overall wealth management plan. Here we leverage the expertise of our Will & Estate Consultant and potentially work with lawyers and accountants to ensure a streamlined approach to protecting and transferring wealth.

 

Insurance solutions

A solution for your corporate needs:

 

Every day, you make crucial business decisions affecting the financial health of your business organization. And you know how important it is to have the best possible services and products to help effectively manage your finances. Making the right financial decisions is a big responsibility – and we can help.

 

Some of the best opportunities for small corporations, including holding companies, come from using tax-exempt life insurance. It is a tax-efficient means of transferring wealth out of a corporation into the hands of the next generation when you pass away.

 

We can provide you with access to a vast array of products and services geared towards the needs of businesses and corporations. An important part of preparing your business for continued success is to prepare it for the unexpected. We have access to a wide array of business protection strategies:

 

  • Funding buyout agreements
  • Shared ownership
  • Minimizing corporate taxes
  • Maximizing corporate assets
  • Executive life insurance planning
  • Business succession planning
  • Key person insurance

 

A solution for your personal needs:

 

We understand that creating and effectively managing your wealth is just part of the equation. It's also important to preserve it. Through the use of insurance strategies, we can help you preserve your wealth during your lifetime, and protect the value of your estate for your family and other beneficiaries. Insurance strategies can also help you maximize the wealth you transfer to your heirs.

 

  • Estate creation and preservation
  • Tax minimization
  • Estate maximization and protection
  • Income enhancement