Value-added wealth services


In addition to a vast array of investment products and solutions, we offer a number of value-added services to help you manage your wealth, many of which are complimentary for our clients.

 

These include:

  • Integration of your investment plan with your other service providers, including your lawyer or accountant
  • Access to financial planning services and a personal financial plan that addresses your cash flow, tax strategies, investments, retirement, insurance, estate planning and more 
  • Will and estate planning consultations through accredited Will and Estate Consultants 
  • Registered estate processing, tax reporting and T3 returns
  • Registered estate tax planning, including multiple and contingent beneficiary designations
  • Insurance consulting on a full range of individual life, health, segregated fund and annuity solutions
  • Custody and safekeeping
  • Annual consolidated tax reporting, including dispositions with book costs
  • Research into old certificates/investments for current status and value
  • Research, commentary and information on specific holdings, markets or economies upon request
  • Online integration of your RBC investment and bank accounts for consolidated viewing
  • Margin accounts for leveraged investing
  • Multi-currency account functionality
  • Automatic account contributions and withdrawals
  • Automatic mutual fund purchase and redemption plans
  • Electronic Funds Transfer (EFT) capabilities
  • Interest paid on cash balances in investment accounts
  • Corporate reorganization advice
  • Cashless employee stock option exercise service
  • Self-directed Registered Education Savings Plans (RESPs) and formal trusts for educational purposes and income splitting
  • Quarterly "Wealth Management Review" newsletter
  • Introduction to a full suite of RBC partners if needed for: personal, business and private banking; estate and trust services, mortgage services; insurance; direct investing; and more

 

For more information, please contact us today.

A Disciplined Approach
 
Tom and Nan recognize that one of the biggest challenges investors face is the natural, yet counter-productive emotional response to the inevitable ups and downs of the stock markets.
To mitigate the negative effects emotional investing can have on your investment progress, Tom and Nan take a disciplined approach to investing. This involves:
 
  • Clarifying your investment objectives
  • Establishing a clear financial roadmap
  • Selecting quality investments for your portfolio
  • Setting specific criteria for buying and selling individual securities
  • Ongoing monitoring of how the markets are changing and communication of their professional opinions
Professional Market Analysis
 
Tom is an avid student of the market. He studies the short-term day-to-day changes as well as the medium to long-term market direction. He has helped clients successfully navigate through many different market cycles for over 40 years.

With 20 years of industry experience, Nan is able to help clients navigate through market ups and downs with disciplined investment recommendations.

Together, Tom and Nan offer clients an extensive understanding of the markets. This knowledge is the foundation to proactive investment and wealth management strategies that help build and protect financial security over the long term.

Supplementing Tom and Nan’s market outlook is portfolio management support from the RBC Investment Strategy Committee. This leading strategy group is comprised of RBC senior economists, portfolio strategists and research analysts.

Combined with Tom and Nan’s professional market analysis and opinion, our team will make overarching portfolio structure recommendations to fit the market outlook. From there, Tom and Nan will personalize adjustments in your portfolio to best reflect your individual investment preferences and goals.

Achieve a custom-designed portfolio with the RBC Dominion Securities Portfolio Approach

 

For more than 115 years, RBC Dominion Securities has helped its clients achieve their financial goals by employing a disciplined process to investing known as the 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 the universe of investments worldwide. 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.