Private Wealth Management

Build, Manage & Protect Your Wealth

A Private Wealth Manager can provide the freedom you need to focus on what’s important to you.

Yathu takes on the Outsourced Chief Investment Officer 'OCIO' function for his clients. It's designed for clients who prefer to delegate responsibility of managing their investment assets and investment decisions with complete confidence, knowing that we follow an extremely disciplined approach to investment management. Yathu's practice is geared towards:

• High-Net-Worth Individuals
• Professionals
• Executives
• Business Owners
• Family Offices
• Foundations

Yathu focuses on achieving client objectives by having the right people, tools, support and controls. Additionally, he partners with colleagues from RBC's High-Net-Worth channels to provide clients with a "family office" approach, supported by the resources and expertise of RBC Dominion Securities – Canada’s leading full-service wealth management firm.

How Do Our Clients Benefit?

• Freedom from day-to-day details of managing wealth – so you can focus on what’s important to you, whether it’s your career, business, family or enjoying your lifestyle.
• High level of customized solutions, including:
  • Individual Investment Policy Statement
  • Personalized asset allocation
  • Portfolio’s customized based on your personal preferences with consideration of your specific tax needs.
• Direct access to your Investment Advisor, who is accountable for decision making and performance.
  • With most money management programs, you never meet your Portfolio Manager.
• Confidence of knowing your Investment Advisor possesses advanced investment credentials.
• Comfort of knowing an independent Portfolio Risk Group provides an extra level of due diligence, regularly monitoring your portfolio to ensure it’s being managed according to your specific guidelines.

Portfolio Management

Based on your unique circumstances, time horizon and risk tolerance, we will help create a customized portfolio to ensure that your investments are properly diversified and positioned to help you achieve your goals.

Process:

1. It starts with establishing your personal Investment Policy Statement, which specifies your investment objectives, risk tolerance and investment time horizon, while providing asset mix guidelines.
2. Our team works within the framework established within your personal investment policy. You will have access to a complete range of investment choices with the simplicity of paying one asset-based fee. We can plan, implement, and adjust your portfolio as needed; without paying additional transaction fees.
3. Once the portfolio is implemented, our independent Portfolio Risk Management Group provides an extra level of diligence, regularly monitoring your portfolio to ensure compliance with your investment policy.

We realize that one portfolio solution is not suitable for all investors and will take into consideration important life changes while structuring portfolios in the most tax efficient manner.

Financial Planning

Financial Planning is an essential part of keeping your finances on track and working towards your goals. We offer financial plans designed for your individual needs, whether you’re still working or already retired and whether your financial situation is less or more complex.

Our goal is to guide you and your family through each life stage – helping you understand the various financial issues, concerns and opportunities you face including:

• Cash & debt management
• Tax planning
• Investment planning
• Retirement planning
• Estate planning
• Business succession planning
• Education savings

You will receive a personalized report containing specific recommendations on the actions to take.

Will & Estate Planning

Our Will & Estate Consultants provide you with information on structuring 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 Planning

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.

We 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

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.