Ming Chen - Home

Who I Am

Ming Chen, MBA, CFP®, CIM®, RRC

Trusted Wealth Advisor with Over 30 Years of Experience

Ming Chen is a highly experienced Wealth Advisor with more than 30 years in the financial services industry across North America. She holds an MBA from the University of Texas at Arlington and is a Certified Financial Planner (CFP®), Chartered Investment Manager (CIM®), and Registered Retirement Consultant (RRC).

Ming spent over a decade in the United States specializing in investment management, where she developed deep expertise in portfolio construction and market strategy. For the past 20 years, she has been serving clients in Canada, helping individuals, families, and business owners navigate complex financial landscapes with clarity and confidence.

With a calm, strategic approach and a strong commitment to long-term client success, Ming offers tailored solutions in wealth planning, retirement readiness, and investment growth — always guided by integrity, experience, and a deep understanding of your goals.

Your goals. Our expertise. A lasting partnership.

Expertise in your corner

To serve our clients’ most sophisticated and complex needs, we draw upon the expertise of our esteemed RBC partners. Here are some of the value-add groups in our network.

multi-generational family sitting on one big chair

RBC Family Office Services

RBC Wealth Management Canada’s Family Office Services team of highly accredited lawyers, accountants, and financial planning professionals help us deliver a level of integrated wealth management expertise traditionally only available to the most affluent families.

RBC Royal Trust

Specialists with in-depth knowledge of trust, estate, and tax law, RBC Royal Trust professionals can provide individuals, families, and businesses personalized estate, trust, and incapacity services.

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RBC Private Banking

Through award-winning RBC Private Banking, as well as RBC Premier Banking Advisors, we can offer our high-net-worth clients sophisticated everyday banking solutions – from credit and lending to cross-border banking – at preferred rates.

two people smiling while reviewing multiple screens of charts

RBC Business Banking

The specialists at RBC Business Banking have the industry-specialized and sector-specific experience required to help us seize opportunities, reduce risk, and preserve capital for business owners operating in a broad range of industries.

woman at a white modern desk with coffee and a computer looking at her mobile device

RBC Capital Markets

We have access to exclusive and valuable insights on market opportunities and risks from the seasoned analysts and strategists at RBC Capital Markets, widely recognized as an innovative and trusted partner with in-depth subject matter expertise.

younger woman discussing paper with older man

RBC Portfolio Advisory Group

An international group of some 100 independent investment analysts, the RBC Portfolio Advisory Group produces timely and objective market research that can help inform and reinforce our investment decisions for you.

Mortgage Specialists

Buying a home is a major decision. Renovating a home is another. Whether you’ve just started your research or are actively house hunting, having a responsive, approachable professional deliver personalized advice can help you make your housing goals come to fruition and bring insights along the way.

With features such as built-in diversification, professional management, liquidity and more, it’s no wonder so many Canadians own mutual funds. With thousands of mutual funds available in Canada, however, it can be a challenge to sort through all the options. At RBC Dominion Securities, we specialize in matching the right mutual funds to your needs and objectives.

Wide selection of mutual funds:

Canadian and global equity funds
Fixed-income funds
Balanced funds
Money market funds
Index funds
Specialty funds

Top-level expertise

Our mutual fund analysts conduct comprehensive analysis on numerous mutual funds, including all the available funds in Canada, in order to arrive at a short-list of recommended funds.

Personal advice

We can recommend the best combination of funds for your portfolio — freeing you from the guesswork of finding the right mutual funds on your own.

Mutual funds could be ideal if you:

Want an easy way to diversify your overall investment portfolio
Want the convenience of building your financial future with professionally managed investments
Need easy access to your money

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the fund facts and prospectus before investing. Mutual funds are not guaranteed, their values may change frequently and past performance may not be repeated.

Achieve financial freedom with professional wealth management

You’ve achieved a lot in life, yet there’s so much more you want to do. Maybe you want to help your loved ones with a milestone purchase or fund your new business venture. Your next project may be to create a lasting legacy for future generations or, perhaps, you'd like to make a meaningful difference in your community, right there, right now. It could be that you yearn for a legendary life of adventure, or maybe a simple, cozy retirement is exactly right.

Whatever your goals, we take the time to understand what you want to accomplish with your wealth. Whether you need assistance managing wealth for yourself, your family or your business, we provide the professional advice you need, from start to finish.

And your wealth is indeed just the beginning – it’s a way to achieve more, give more, and experience more. We'll help manage your investments, plan your retirement, protect your financial security and plan your estate, so you can take comfort knowing you’re receiving expert wealth management and attention.

Contact us to learn how our knowledgeable team of professionals, backed by the resources of RBC Wealth Management, can help you grow more than wealth.

10 key wealth planning decisions for business owners

Whether you’re already a business owner or thinking of becoming one, the decisions you make may have far-reaching impacts, not only for your business, but for you and your family as well. The business owner’s guide to wealth management follows the life cycle of a business, exploring 10 key decisions for wherever you may be on your business ownership journey, including:

What is the best structure for your business?
How can you reduce taxes?
What should you do with surplus cash?
What can you do to prepare for the unexpected?
Do you have an exit strategy or succession plan to transition into retirement?
How can you keep your business in the family?

The four-step Portfolio Approach

The basis of long-term, successful money management, the Portfolio Approach is predicated around creating a customized investment portfolio that reflects your investment needs throughout the various stages of your life.

There are four steps to the custom Portfolio Approach:

Step 1 : Understanding your needs and goals

Our first and most important job is to listen to you and understand your needs and dreams for the future. We will take the time to understand your specific investment goals, such as saving for retirement or financing a business, and the timeframes available to achieve them. In addition, we will consider your return expectations and tolerance for risk. This “discovery process” doesn't end here—as time passes, and your situation changes, we will work with you to ensure that your investment strategy remains current.

Step 2 : Creating your investment strategy

With an in-depth understanding of your personal situation, we are able to create your investment strategy. This provides the framework for managing your financial assets going forward. It clearly sets out your investment objectives, income needs, timeframes, asset mix guidelines, security selection criteria and review process. Your investment strategy helps keep your investment goals and preferences in clear focus. It also provides a benchmark for measuring the progress you're making towards achieving your goals.

Step 3 : Building your custom-designed portfolio

Once you've approved your investment strategy, we can structure your personal portfolio.

In building a personalized investment portfolio for you, we select from a universe of international investments. This includes:

Investments for growth, such as Canadian, U.S. and international stocks
Investments for income, including government and corporate bonds
Investments for wealth preservation, including guaranteed investments

We also have access to leading-edge investment strategy and research provided by the RBC Investment Strategy Committee, RBC Capital Markets and third-party, independent firms.

You will have a diversified portfolio that conforms to the guidelines and direction you set in advance. This process means you will receive specific, appropriate investment recommendations, and each recommendation will be clear and well thought-out.

Step 4 : Managing your portfolio

The last step in the process is to monitor your progress towards your continued success. We will review your portfolio with you on a regular basis, and recommend appropriate changes to keep you on track. You will also receive detailed account statements, portfolio review statements, transaction updates and tax reports.

For more information, please contact us today.

Grow more than wealth

With a collaborative, values-based approach and a track record of responsibly building wealth with integrity, you can expect RBC Wealth Management to help you realize your life vision.

View transcript

[♪]

With success comes opportunity.

Opportunity to focus on what matters most.

Your values

[A young child on a play structure]

Your loved ones

[People seated around a table filled with food]

Your passions

[A couple hiking]

Your community

[A conductor in front of an orchestra]

To create lasting change in the world.

[Person wearing hard hat and Team RBC shirt lifting plywood on a building site, a partially completed high-rise, field of wind turbines]

At RBC, we build relationships with trust and integrity, managing wealth with diverse expertise, a global outlook and a personalized approach to help you create a meaningful legacy because we believe the best returns are more than financial.

[Grow more than wealth. RBC Wealth Management]

This video is provided by RBC Wealth Management for informational purposes only. The comments contained in this video are general in nature, and do not constitute legal, investment, trust, estate, accounting or tax advice. RBC Dominion Securities Inc.*, Royal Trust Corporation of Canada, The Royal Trust Company, RBC PH&N Investment Counsel Inc., RBC Wealth Management Financial Services Inc. are affiliated corporate entities and member companies of RBC Wealth Management, a business segment of Royal Bank of Canada. *Member – Canadian Investor Protection Fund. Please visit www.rbc.com/legal/ for further information on the entities that are member companies of RBC Wealth Management. ®/TM Trademark(s) of Royal Bank of Canada. Used under license. © 2021 Royal Bank of Canada. All rights reserved.

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Ming Chen, MBA, CFP, CIM