Structure that supports what matters.

As wealth grows, advantage shifts from product selection to system design—portfolio strategy, cash flow planning, tax coordination, risk management, and estate structure working together.

We don't start with products. We start with architecture.

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Integrated Wealth Management

Protect your lifestyle
Proactive risk planning: adequate insurance, emergency liquidity, hedging strategies for concentrated positions.

Turn savings into strategy
Disciplined portfolio governance: clear mandates, systematic rebalancing, tax-aware implementation.

Design resilient retirement income
Tax-efficient withdrawal sequencing, longevity planning, flexible spending guardrails.

Plan your legacy
Coordinated estate strategy: trusts, charitable vehicles, succession planning, family governance.

Navigate transitions with calm
Decision support through business sales, inheritance, retirement, or family changes.

What This Actually Looks Like

Example: Executive with $4M RSU vest

Most advisors: "Sell immediately and diversify."

Our approach:

  • Map total tax picture (federal, provincial, AMT exposure)
  • Model selling in tranches vs. immediate liquidation
  • Coordinate with employer equity plan administrator
  • Execute tax-loss harvesting to offset gains
  • Integrate proceeds into existing portfolio without creating new concentrations

Result: Reduced tax bill by $180K. Diversified systematically. Maintained portfolio discipline.

Portfolio Management Process

Strong outcomes come from process, not predictions:

Discover — Clarify investment mandate, constraints, liquidity needs, tax situation, concentration risks.

Design — Formalize the blueprint: return objectives, risk ranges, income targets, rebalancing triggers, review cadence.

Implement — Construct deliberately: quality selection, global diversification, tax awareness, avoiding unintended concentrations.

Monitor — Continuous oversight: risk monitoring, drift management, liquidity planning, tax-loss harvesting, thoughtful adjustments without overreacting.

The Platform Advantage

We leverage institutional research and specialist resources across:

  • RBC Capital Markets: Market insights, fixed income trading, equity research
  • RBC Family Office Services: Complex estate planning, multi-generational governance
  • RBC Royal Trust: Executor services, trustee oversight, estate administration
  • RBC Private Banking: Credit strategies, mortgage optimization, banking coordination
  • RBC Portfolio Advisory Group: Advanced portfolio analytics and risk modeling

You get access to institutional-grade resources with the personalized service of a dedicated advisor.

We Don't Aim to Predict the Future

We aim to prepare you for it—with a plan you understand, a portfolio built for durability, and ongoing oversight that keeps everything aligned.

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