Investment Management

To do so constructively, your Wealth Management team needs to strategically manage risk, income, assets and investments in a manner that is suitable for you and that adapts to your changing life events; both planned or unforeseen.

Managing Risk means having a process to minimize your tax exposure to maximize your gains. It means organizing your estate using trusts or insurance vehicles. It means rebalancing your portfolio regularly. It also means implementing tailored and timely tax loss harvesting techniques executed by our overlay team.

Managing Income means having a plan that ensures you receive an ongoing stream of income that you won’t outlive and that can grow at a reasonable rate without taking unnecessary risks. Strong and stable dividend yielding stocks would form part of that strategy and would contribute to that income generation and growth. And on a regular basis dividend yielding stocks identified as potentially not meeting expectation would be replaced with those with more favorable forward looking metrics.

Managing Assets means having a process in determining how much and which asset classes your portfolio should be over or under weighted in. Sound asset allocation rules, properly diversified portfolios, and recommendations from the many RBC Financial Group teams of research experts and analysts are sought out.

Managing Investments to ensure the best possible outcome means having access to the best pension style/institutional investment managers, each of which focuses on one specific asset in your portfolio. If your portfolio contains US, Canadian and Global equites along with some bond component, you will have the advantage of having four separate institutions actively managing your investments while generating a single consolidated statement. All the while Mike, and the RBC Financial Group of experts maintains ongoing due diligence to ensure the intuitions we select meet their mandate