Darice Huang CFP, CIM
Wealth Advisor and Financial Planner
Innovating beyond investing: Looking at the full picture
In today’s changing market landscape, investors need a professional team to coordinate their entire financial picture—investments, taxes, estate planning, insurance, retirement planning, and charitable giving.
Maximizing returns is one piece of a bigger picture.
We understand your goals and connect you to the right people—both within and outside of RBC—to streamline your financial journey.
Taking an all-encompassing, personalized approach, we lean on the sophisticated tools, best-in-class resources, and esteemed specialists of RBC to help manage, grow, and preserve your wealth.
Professionals at your service
Darice has spent most of the last decade taking care of clients across Canada and the U.S. through the process of wealth accumulation, wealth protection, and wealth transfer.
She helps organize all the resources you need to take care of your personal and business matters in one place.
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 tailored to your current and future needs, using a disciplined process to keep you on track. Whether your goal is growing wealth, generating income, minimizing taxes, or retirement planning, we customize solutions to your circumstances. Before recommending anything, we review your financial situation, define your risk tolerance, and set realistic long-term objectives aligned with your comfort level. We may also connect you with RBC specialists in insurance, estate planning, and business planning to ensure every financial need and life stage is planned for.
How we do it
Our four-step portfolio process is designed to keep your investments aligned with your goals at every stage. We begin with a discovery meeting to understand your needs, goals, time horizon, and risk tolerance. Next, we develop an Investment Policy Statement as the guiding principles for managing your portfolio. Using this foundation, we build a personalized mix of stocks, bonds, and cash, collaborating with investment strategists and research analysts. Finally, we consistently monitor and review your portfolio, adjusting to maintain alignment 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
Experienced professionals, business owners and founders
We offer integrated personal and business wealth planning that keeps taxes top of mind, including:
o Cash-flow management and tax-efficient investing strategies to allow funds to flow smoothly to your personal name
o Planning before and after liquidity events and business transactions
o Succession and exit planning
Multi-generational families
Whether you are transitioning into retirement or streamlining family wealth, we help guide conversations around estate, trust, and incapacity planning. We offer specialized guidance for transitions that involve a business, philanthropic goals and leaving a legacy, and solutions to protect the estate.
Executives
We offer custom solutions for C-suite professionals, directors, and decision makers that help protect wealth, minimize taxes, and take advantage of career opportunities across Canada.
Retirees and pensioners
Whether you are preparing for retirement or already retired, it’s never too early—or too late—to plan. We guide you across all the different decisions that can come up in different stages of your retirement, maximizing your pensions and benefits, minimizing taxes, and protecting the wealth you’ve accumulated.
Young professionals
If you are actively building wealth, we help you optimize your cash flow decisions to build your net worth, manage debt, and plan for the future so you can accelerate your financial journey and focus on what’s important to you.
Share liquidity
Whether you have accumulated a significant share position or are dealing with restricted options or shares from an employer, we have planning solutions to help integrate the shares into your financial plan while prioritizing tax minimization.
Dual citizens and transitions to Canada
If you are a dual citizen, or transitioning to Canada, we work with your tax and legal teams to ensure a smooth transition of your finances for you and your family.
Our resources
Your personal and business matters, organized in one place.
One relationship. Every resource you need — investments, planning, banking, and estate services, all working together.
Questions we help you answer — planning for your retirement, estate, and business.
Explore the key questions around investment, retirement, estate, and tax planning — and the strategies we bring to each.
Taxation of Investment Income in a Corporation
An overview of how passive investment income is taxed within a Canadian corporation, including RDTOH and integration.
Taxation of Employee Stock Options
Covers Canadian tax rules for employee stock options, including CCPC vs. non-CCPC treatment and vesting limits.
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.