Cramen Wealth Management of RBC Dominion Securities
Your life goals are our life's work
YOUR JOURNEY IS PERSONAL
Where do you come from, and where are you headed? Who has impacted your life, and what goals are important to you? A dynamic goal plan can lead to defining moments such as actually going on a lengthy travel adventure, choosing to live off the grid, purchasing a classic car, spending a month in Hawaii each year, or taking the extended family to Disneyland. The possibilities are endless, and personal.
Professional guidance can ensure that the choices you make optimize the resources available to you. I take pride in getting to know you and those who are near & dear to you.
MY LIFE JOURNEY
I am grateful to have a mind for numbers, and an ability to make practical financial planning relatable to others.
I have had a passion for numbers since adolescence. I excelled in Math over other subjects (I was the queen of multiplication tables in grade school), and that passion never stopped. Even as a young adult, I was applying strong math skills to personal finances and encouraging friends and siblings to be fiscally responsible.
Those talents were encouraged by my parents whose career paths included math teacher, engineer, counselor and personal coach.
Even my hobbies involve those skills. I enjoy scrapbooking & weaving, which are measurement intensive. Remembering model years for cars was, and still is a hobby. I love cars from the 60's, and explaining their nuances to anyone who will listen.
So how does my passion for numbers contribute to my career strengths? I am a Financial Planner, which has everything to do with...numbers…and making numbers relatable to each client’s personal goals and circumstances.
This is your Journey: be curious, be confident, make educated financial decisions.
Professionals at your service
Leaning on experience and industry accreditations, our team of experts helps bring financial peace of mind to clients like you.
It all starts with you
Our personal approach and personalized service centres on you, and it begins with getting to know you, your needs, and your goals.
What we do
We design investment portfolios to meet your needs, both now and in the future, with a disciplined process to help keep you on track. Whether your goal is growing wealth, generating income, minimizing taxes or planning for retirement, we tailor solutions to your circumstances. Before recommending anything, we review your situation in depth, define your risk tolerance, and set realistic long-term objectives aligned with your comfort level. Depending on your needs, we may also connect you with our network of RBC specialists—in areas like insurance, estate planning and business planning—to ensure that every financial need and life stage is well planned for.
How we do it
Our four-step portfolio process is designed to keep your investments working toward your goals at every stage. We start with a discovery meeting, where we take the time to understand your needs, goals, time horizon and risk tolerance. Then we develop an Investment Policy Statement—the guiding principles for how your portfolio will be managed. With that foundation, we build your personalized portfolio with the right balance of stocks, bonds and cash, in collaboration with the firm’s investment strategists and research analysts. Finally, through ongoing monitoring and reviewing, we keep a close eye on your portfolio, making adjustments as needed so it continues to align with your objectives in changing market conditions.
How we serve your wealth in its entirety
Our full-service offering integrates disciplined portfolio management with comprehensive wealth planning—all supported by experienced specialists throughout our robust RBC network.
Serving specialized needs
While we are able to advise on any Canadian’s wealth, our accomplished team has expertise and experience serving the particular requirements of several key groups.
Business owners
With a complete understanding of the unique circumstances facing business owners, we offer fully integrated personal and business wealth planning that always keeps taxes top of mind.
Retirees and pensioners
Whether you’re preparing for retirement or already retired, it’s never too early – or too late – to plan. Because retirement is a journey that can last decades, we guide you in taking every financial opportunity to make the most of it.
Working professionals
If you’re still actively building wealth, we can help you prioritize goals, build your assets while managing debt, and plan for the future, so that you can focus on what truly matters most to you.
Highly affluent individuals
A high net worth requires a best-in-class approach to help manage it. That’s why we rely on our own expertise – and that of our world-class RBC partners – to help you achieve your goals for the future.
Kind Words
"Sandra is someone I feel very lucky to have as my Financial Planner. We have been working together for almost 16 years both prior to and since my retirement.."
“Sandra Cramen is an exemplary professional who applies skill, caring, thorough research and has put her heart and soul into managing our finances for the past 15 years... "
"We have been clients of and have had the pleasure of having, an amazing, dedicated, Investment Advisor and Financial Planner in Sandra Cramen for thirteen years now..."
Guides
Get a better vantage point on your financial picture with these informative guides penned by the RBC Family Office Services team.
Estate planning guide
How planning for tomorrow – today – can help your estate aspirations
Financial planning facts
Comprehensive list of key information, such as deadlines, contribution limits, and tax facts
Tax reporting guide
Summary of the important dates and tax information required for your annual tax return
Insights
Read the latest on markets and more from our team as well as experts and thought leaders at RBC.