We Help You Build, Manage and Protect Your Wealth
Our business is geared to high net worth Individuals, Professionals, Foundations, Executives and Business Owners, and has been built exclusively on referrals.
Based on your unique circumstances, time horizon and risk tolerance, we will help craft a customized portfolio to ensure that your investments are properly diversified and positioned to help you achieve your goals.
We realize that one portfolio solution is not suitable for all investors, so we get to know each client as an individual, and consider important life changes when structuring portfolios. Are you getting married, receiving an inheritance, selling a business? Are there health issues, or a sick parent that should be considered? Are you an incorporated professional? Are your investment strategies synchronized with your tax strategies? We feel these are all important factors when deciding how your investments should be structured.
At RBC Dominion Securities, we can work with you in various ways. Below is a broad overview of the options.
This is a non-discretionary portfolio designed for people who see their investments as more of a partnership with us and choose to participate in the day-to-day decision-making. The management of the portfolio is in conjunction with your input as we provide advice on appropriate securities to buy or sell, but you have the final say on what goes in to your portfolio. There is a discussion prior to each transaction, so Advisor accounts can be great learning tools for new investors, or those who just like to stay more involved.
Private Investment Management (PIM) program
A complete discretionary portfolio management that starts with a custom Investment Policy Statement (IPS) that is the foundation of your portfolio. The IPS is our agreement to build and maintain your portfolio within those agreed upon terms, entrusting our team with the specifics of portfolio construction and execution of trades. There is a second layer of oversight by RBC head office to ensure that your portfolio is always in line with your IPS guidelines. PIM frees you from daily transactions and allows you to focus on the important parts of your life.
PIM is perfect for clients that:
- Want to understand and set guidelines for their portfolio but not handle the day to day investment decisions
- Want a set risk management program to reduce investment volatility
- Want a more wholesome relationship with their investment professional that is focused on protecting or growing their assets and planning for the future
Under both the Advisor and PIM Programs, we gravitate towards concentrated domestic and global portfolios consisting of 25-35 companies, focused on either generating income or growth.
This is a managed account program where we help you to construct a portfolio by choosing mandates from a wide network of outside money managers and exchange traded funds. Managers are chosen for this program based on long track records and monitored by RBC to ensure they continue to stay within their management style. These managers can be used both for a stand-alone one-mandate portfolio to get a specific asset class or strategy, or for a basket approach using a variety of managers and mandates.
We offer financial plans designed for your individual needs, whether you’re still working or already retired, whether you’re single or married, or whether your financial situation is less or more complex.
Your financial plan will help you address a wide range of financial concerns, including:
- Cash management
- Debt management
- Tax planning
- Investment planning
- Retirement planning
- Risk management
- Estate planning
You will receive a personalized report containing specific recommendations on the actions you need to take to achieve your financial goals.
Will and Estate Consulting
If you haven’t recently updated your Will, or if your personal or financial situation has recently changed, you may be interested in our complimentary Will & Estate consultation service.
Ariel, our Will & Estate Consultant will meet with you to identify any opportunities you have to structure your estate in an efficient and tax-effective manner.
It will cover topics such as:
- Updating your Will
- Evaluating suitability of trust structures
- Naming your executor
- Conferring Powers of Attorney
- Maximizing your family’s legacy and charitable gifts
Following your meeting, you will receive a report outlining various estate planning issues for you to explore in further detail with your own lawyer or accountant.
Strategic Insurance Solutions
When most people think of insurance, they think of life, home and auto insurance.
But insurance-based strategies can also help you protect and enhance your wealth.
Our Insurance Specialist can meet with you to determine the suitability and cost-effectiveness of several insurance strategies to:
- Boost your retirement income
- Enhance the value of your estate for your beneficiaries
- Protect your assets from the impact of probate taxes
- Maximize your gift to charity
Take the next step. Contact me to discuss how I can help you.