Providing Guidance In Navigating Your Family's Future

The common reasons for establishing a relationship with our team include preserving family wealth and ensuring that wealth is transferred to future generations, consolidating assets, or dealing with sudden influx of liquidity. Our resources are designed with the intention to provide guidance to families seeking what is commonly referred to as private family wealth management services.

Check out the posted articles and guides in our Client Lounge.

Business & Family Advisory

One of our core competencies is providing advisory services tailored to business owners, which include:

  • Tax-advantaged investment strategies for surplus corporate capital
  • Executive and key person insurance strategies
  • Business succession
  • Asset allocation
  • Sale of a business
  • Business valuation
  • Foreign exchange and Commodity hedging
  • Debt/equity financing, bridge financing, structured financing, mergers and acquisitions through our established relationships with RBC Capital Markets

Estate & Wealth Transfer

Affluent families are finding tremendous benefit in business succession and legacy planning, enabling the transfer of wealth in the most efficient manner to the next generation. These services include:

  • Professional guidance regarding wealth transfer to succeeding generations
  • Customized services for estate settlement and administration through Royal Trust

Insurance Services

Our insurance services experts are able to shop the market to find the most comprehensive solutions. These services include:

  • Risk analysis of your current situation including both loss of income and estate tax liabilities
  • Assessment of insurance requirements, policy acquisition and monitoring
  • Evaluation of existing policies

Executing these services in an efficient and comprehensive manor requires extensive knowledge. Our Insurance & Estate Planning Specialists are subject matter experts with vast experience. Given they are salaried and not commission focused, you can expect the solutions offered to be balanced and unbiased.

Risk Management

Preserving family wealth is an extremely complex task. The global economic landscape is increasingly volatile and families with significant business assets or private wealth clearly have an interest in stabilizing their downside in this new environment.

The recent financial crisis has led families to reconsider their approach and behavior toward risk. Perceptions of risk are often subjective and can only be averted through a process focusing on long-term objectives.

The following parameters provide the core of our risk management framework:

  • Identify which factors could destabilize your portfolio and impact your diversification
  • Awareness that asset correlations frequently change throughout history with conventional wisdom/assumptions frequently being incorrect (e.g. fixed income yields and equities can be both positively and negatively correlated over time)
  • Appreciation of both a "variant perception" and imperfect knowledge structures in markets
  • Identifying potential impact of geopolitical events through maintaining awareness of the major global political and financial environments

The Investment Process

  • The investment process is the integration of the discovery and due diligence ensuing from financial planning, strategy and risk management
  • Very broadly, our process will set out an investment policy statement, listing goals and risk tolerance, including any restrictions and/or specific circumstances or requirements
  • The next phase is to establish an asset allocation to accomplish the determined objectives (including equities, fixed income, alternatives, etc.). Implementation and monitoring performance of the portfolio then follow