A repeatable process for complex decisions.
Wealth grows complex quickly. Our process simplifies it into clear architecture, implements with discipline, then keeps everything aligned as life evolves.
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The Framework
1. DISCOVER
Diagnose the full system: assets, liabilities, cash flow, tax situation, risk exposure, estate structure, and coordination gaps.
Output: Complete financial diagnostic and risk assessment.
2. DESIGN
Architect the integrated plan using cash flow modeling, tax projections, scenario analysis, and estate planning.
We stress-test the plan against market downturns, longevity risk, and major life events.
Output: Comprehensive wealth architecture blueprint.
3. IMPLEMENT
Coordinate execution across RBC's ecosystem—investment management, tax planning, estate attorneys, insurance specialists, private banking.
Strategy becomes action. Nothing falls through the cracks.
Output: Fully executed plan with all parties coordinated.
4. MONITOR
Ongoing stewardship: quarterly reviews, portfolio rebalancing, tax-loss harvesting, and real-time decision support through market volatility or life transitions.
Output: Continuous oversight and course corrections.
What Makes This Different
Most advisors operate in silos: Your investment advisor doesn't talk to your tax accountant. Your estate attorney doesn't coordinate with your insurance agent. You're left managing the gaps.
We integrate everything: One lead advisor. One cohesive plan. Coordinated execution across all specialists.
The Discovery Meeting
What we'll cover:
- What prompted this conversation
- Your current financial structure and major risks
- Potential blind spots or coordination gaps
- Clear next steps
Duration: 60 minutes, confidential, no obligation.
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Real Scenario: Business Sale
Client: Founder selling software company for $18M.
Challenge: 80% of net worth locked in concentrated equity. Wanted to diversify but faced $4M+ capital gains tax hit. Needed retirement income plan starting in 18 months.
Our Approach:
- Discover: Mapped full tax situation, cash flow needs, estate intentions, risk tolerance.
- Design: Built 4-year diversification strategy using tax-loss harvesting, charitable remainder trust, and strategic retirement plan conversions.
- Implement: Coordinated CPA, estate attorney, insurance specialist. Executed systematic diversification with tax efficiency.
- Monitor: Ongoing portfolio oversight, income planning, estate updates as tax laws evolved.
Outcome: Reduced tax drag by $1.2M. Diversified fully while funding legacy goals. Designed resilient retirement income stream.
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