Our Process

 

Creating a Wealth Plan

Through a fulsome discovery process and access to innovative financial planning software we create a wealth plan tailored to your unique circumstances, needs and goals. Supported by an extended team of specialists we help you navigate your important decisions and milestones and provide clarity to your long term financial aims.
 
Every part of our planning process is designed around your goals and priorities.
 

Step 1: Discovery Meeting

  • To learn about you, your goals, your values, and what matters most to you

Step 2: Financial Analysis

  • Current and projected net worth
  • Current cash flow
  • Projected income and distribution
  • Estate impact analysis
  • Life insurance 

Step 3: Your Portfolio

  • See Portfolio Management below

Step 4: Integration with RBC Partners

  • Financial Planning Specialists
  • Will and Estate Consultants
  • High Net Worth Specialists
  • Business Owner Planning Specialists
  • Insurance, Trust, and Estate Planning Specialists

Step 5: Review

 

Portfolio Management

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 directions 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. 

 

1 (800) 427-7766 Arrange a Consultation