In an ever-increasingly complex and challenging world, highly accomplished individuals like you and families like yours need the right team of experts to support their wealth-building journey. Led by your Investment Counsellor (IC), your RBC PH&N Investment Counsel (PH&N IC) team has the skills, experience, and expertise to deliver the advice and solutions you need to achieve the things that matter most to you.
The quarterback: your Investment Counsellor
Every successful team has a strong captain, a leader who sees the entire field and the obstacles that stand in the way of success. Understanding the game plan, and the strategy and tactics to achieve it, is essential for a successful quarterback. And, calling the right “play” – knowing what is needed and when to leverage the skills of their teammates at the right times and in the right situations – is essential to overcome whatever obstacles stand in the way of crossing the “goal line”.
At PH&N IC, your IC is your personal and trusted “quarterback.” They not only leverage their own skills and abilities to achieve your wealth plan, but also their insight around what experts to marshal, deploy and leverage to deliver the expertise you need to achieve your goals. They are the captain of your relationship with PH&N IC, and work in your best interests to help ensure you have a wealth plan and the appropriate portfolio to help you and your family achieve your goals. They are your key point of contact whose capabilities, expertise, and knowledge you trust and depend on to guide you to long-term financial success. Their accreditation, especially the world-class Chartered Financial Analyst (CFA) certification, demonstrates their investment and portfolio management knowledge and expertise, which they deploy to deliver the most appropriate advice and solutions for you.
The team: RBC Family Office Services and your “special” teams
Your IC works to ensure that you have the right wealth plan to guide you to achieving your goals through all stages of your life. And they make sure that evolves as your life and needs change.
Along their financial journey, accomplished individuals and wealth builders like you often encounter unique challenges and opportunities that require very specific and specialized expertise. This is where the RBC Family Office Services (FOS) team comes into play. When and where it makes sense for your unique situation, your IC can leverage their expertise, as services and solutions to help successfully overcome the challenges that may arise in your life. This specialized expertise includes:
- Financial planning – When your life is complicated, your plan often is too. Dedicated financial planners can help you better achieve your goals by having the most effective wealth-building plan in place.
- Tax planning – Understanding your unique tax situation, the team can recommend strategies to help you reduce your family's tax burden, which may include leveraging structures such as family trusts, holding companies and insurance.
- Business succession – The FOS team can determine strategies to help you effectively transition from your business in a tax-effective manner. They can also help to ensure that all aspects of your succession plans are in place, and provide strategies and solutions to fill in the gaps where they aren’t.
- Retirement – The team can help you determine strategies and techniques to meet your retirement income goals, including providing you strategies to maximize your after-tax retirement income.
- Charitable giving – The FOS team can help you determine which charitable giving strategies are most suitable based on your unique objectives, including assisting you and your family in implementing a charitable foundation to minimize tax and leave a legacy.
- Insurance – The team can assist you in analyzing the need for insurance to provide for your loved ones in the event of a disability or death, while also delivering creative insurance strategies to minimize tax, maximize your estate, increase retirement income, or create a legacy.
- And more – The team can also provide their expertise and skills around other areas, including education savings, financial education and holding companies, all of which can help you fill in the key steps of your wealth plan to help you achieve your goals.
Along with the FOS team, you have privileged access and benefit from the skills of our: RBC Private and Commercial Banking teams to ensure you have all the bases covered with your banking and borrowing needs; industry-leading asset management teams within RBC Global Asset Management and other selected managers to help grow your wealth; and, national and international banking colleagues within RBC Royal Bank to access local and/or global business opportunities.
“Game day” ready when and how you need us
At PH&N IC, you and your IC work together to make sure that your plan meets your personal, complex needs in the smartest, most efficient, and cost-effective way possible. Leveraging the PH&N IC team can help ensure you do, smoothing the path of your financial journey.
Talk to your IC about what’s important to you, and any personal challenges that you may need to overcome - and let us help you by deploying our team of experts to achieve all of your life goals.
Past performance is not indicative of future results. Counsellor Quarterly has been prepared for use by RBC Phillips, Hager & North Investment Counsel Inc. (RBC PH&N IC). The information in this document is based on data that we believe is accurate, but we do not represent that it is accurate or complete and it should not be relied upon as such. Persons or publications quoted do not necessarily represent the corporate opinion of RBC PH&N IC. This information is not investment advice and should only be used in conjunction with a discussion with your RBC PH&N IC Investment Counsellor. This will ensure that your own circumstances have been considered properly and that action is taken on the latest information available.
Neither RBC PH&N IC, nor any of its affiliates, nor any other person accepts any liability whatsoever for any direct or consequential loss arising from any use of this report or the information contained herein. This document is for information purposes only and should not be construed as offering tax or legal advice. Individuals should consult with qualified tax and legal advisors before taking any action based upon the information contained in this document. Some of the products or services mentioned may not be available from RBC PH&N IC, however, they may be offered through RBC partners. Contact your Investment Counsellor if you would like a referral to one of our RBC partners that offers the products or services discussed.
RBC PH&N IC, RBC Global Asset Management Inc., RBC Private Counsel (USA) Inc., Royal Trust Corporation of Canada, The Royal Trust Company, RBC Dominion Securities Inc. and Royal Bank of Canada are all separate corporate entities that are affiliated. Members of the RBC Wealth Management Services Team are employees of RBC Dominion Securities Inc. RBC PH&N IC is a member company of RBC Wealth Management, a business segment of Royal Bank of Canada. ® / ™ Trademark(s) of Royal Bank of Canada. RBC, RBC Wealth Management and RBC Dominion Securities are registered trademarks of Royal Bank of Canada. Used under licence. © RBC Phillips, Hager & North Investment Counsel Inc. 2026. All rights reserved.