Integrated Wealth Management, Not Isolated Products
Investment advice matters, but the biggest wins and losses usually come from planning, structure, sequencing, and risk control. We do not start with products. We start with architecture, then implement with discipline.
Discretionary Portfolio Management
Policy-led portfolios built around your real-world needs. Not headlines.
• Institutional-style oversight: allocation, manager selection, rebalancing, risk monitoring
• Written Investment Policy with clear mandates and constraints
• Tax-aware implementation and ongoing management
• Systematic rebalancing and drift controls
• Consolidated reporting designed for decision-making, not data overload
Wealth Planning and Coordination
Planning precedes products. We build the strategy before touching any investments.
If a recommendation cannot be well explained in plain English, including the tradeoffs, we do not implement it.
• myGPS goals projection and scenario testing
• Retirement planning, cash flow planning, and major decision modeling
• Tax alignment with your accountant (planning, not tax filing)
• Estate and trust coordination with RBC Royal Trust and your lawyer
• Insurance planning alignment for risk transfer and estate liquidity
• Philanthropy and legacy planning support
Complexity Solutions
We add the most leverage for clients with meaningful complexity. In Vancouver, this often means technology and mining executives with RSU concentration, business owners with corporate holding companies, and families with significant real estate exposure alongside their investment portfolios.
• Concentrated stock and diversification planning
• Liquidity event planning and sequencing
• Real estate over-concentration risk management
• Corporate surplus management for owner-managed businesses
• Credit and lending alignment for liquidity, tax, and opportunity management
• Multi-entity and holding company coordination
What This Actually Looks Like: Concentrated Executive
Situation:
Executive with a large RSU vest approaching. Previous advisor recommended “sell immediately and diversify.”
Our Approach:
We mapped the total tax picture alongside their accountant (federal, provincial, AMT exposure). Modeled selling in tranches vs immediate liquidation. Coordinated with their employer's equity plan administrator. Executed tax-loss harvesting to offset gains. Integrated proceeds into the broader portfolio without creating new concentration risk. Created a written Investment Policy to guide ongoing decisions
Result:
Diversified systematically over time and improved after-tax outcomes while maintaining flexibility on timing.
What Is Included in Your Relationship With Us
You receive far more than investment advice. Our service includes discovery, strategy, planning coordination, reporting, and ongoing governance. This is the operating system we bring to your wealth.
• Discovery meetings to define goals, risk tolerance, and constraints
• A written strategy and portfolio design aligned to your goals
• Collaboration with your accountant and lawyer to integrate planning
• Introductions to RBC partners when and where appropriate (Private Banking, Commercial Banking, Royal Trust, Family Office Services)
• Ongoing portfolio monitoring, rebalancing, and risk oversight
• Communication designed to support decision-making, not create noise
• Quarterly and annual reviews with a consistent agenda
• Decision documentation and continuity
The Investment Platform
Our investment platform is designed to deliver institutional capabilities in a single, coordinated relationship.
• Investment policy and asset allocation guidance using capital market assumptions
• Manager due diligence and ongoing monitoring
• Portfolio implementation and rebalancing discipline
• Integrated risk management across the combined portfolio
• Consolidated reporting as a single source of truth
How We Select Managers:
1. Define the role: what this allocation must do for the portfolio (return, risk, liquidity, diversification).
2. Screen for fit: structure, fees, liquidity terms, and track record relevance.
3. Due diligence: process, people, risk controls, capacity, and operational quality.
4. Decision memo: documented rationale, expected behavior, and monitoring metrics.
5. Ongoing oversight: review outcomes versus expectations and make changes when warranted.
Alternative Investments
Where appropriate and suitable, alternatives can improve diversification, manage volatility, and access return sources not available in public markets.
We approach alternatives with discipline: liquidity terms, transparency, manager quality, and role clarity come first. Alternatives are tools with tradeoffs, not automatic upgrades.
The Platform Behind the Plan
We leverage institutional research and specialist resources across RBC’s ecosystem. You get access to institutional resources with the personalized service of a dedicated advisor.
• Portfolio Advisory Group: Advanced portfolio analytics and risk modeling
• Capital Markets: Market insights, fixed income trading, equity research
• Family Office Services: Complex planning, multi-generational governance
• Royal Trust: Executor services, trustee oversight, estate administration
• Private Banking: Credit strategies, mortgage optimization, banking coordination
We Do Not Try to Predict the Future
Our goal is to help you prepare you for it.
A plan you understand. A portfolio built for durability. Ongoing oversight that keeps everything aligned.
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