Why work with us?
Prudence is in the process, not performance.
A strong process is paramount to achieving strong results. As part of the Keith Pavo Group of RBC Dominion Securities, we have a long history working with both local and national not-for-profit organizations whose investment portfolios are held to the highest standards.
Our investment process was designed to exceed the demands and discipline required of pension plans, endowments and a variety of charitable and association-level capital. This process is continually refined with an aim to exceed industry standards that guide the prudent investment of both institutional and individual investments.
Of course, a process lacks meaning if there is no purpose. We take the time and make every effort to understand the things that are important to you and your family or your organization. We will educate and guide you through every step of the way, working with you at your pace before moving forward with any recommendations. Where appropriate, we will leverage our extensive network and the full support of RBC to provide you with all the help and guidance you need.
Professionals at your service
Leaning on experience and industry accreditation, our team 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 listen, we educate, we execute.
We have a conservative bias with a focus on risk management and downside protection. We want to protect your wealth during periods of volatility and help your investments grow over the long-term in a prudent and responsible manner.
We will take the time to understand your circumstances, educate you on your options, and guide you towards your goals.
This will include an up-to-date investment policy statement and a financial plan that we revisit every year.
How we do it
Discover
Understand your financial goals, obstacles and preferences
Gather documentation
Open dialogues with your accountant and attorney, if necessary
Complete a personalized myGPS wealth and financial projection based on your goals
Propose
Build customized portfolios designed to meet your investments goals
Establish your needs for tax, estate, insurance and charitable gift planning
Introduce, as appropriate, a full suite of services from our RBC partners, including RBC Private Banking Premier, RBC Commercial Banking and RBC Royal Trust
Implement
Initiate the financial plan
Phase in the investment recommendations
Enroll in selected services
Review forthcoming statements
Schedule regular calls and reviews
Monitor
Monitor progress according to the plan
Adjust the plan and investments when needed
Inform you, your account and attorney of anything you should be aware of
Help you navigate your options
Our areas of focus
Institutional
We provide tailored institutional investment solutions with prudent processes, customizing strategies for endowments, foundations, and public entities. Our focus: flexibility, simplicity, transparency, and specialization to meet unique goals.
Socially Responsible Investing
Align investments with values via SRI/ESG strategies. We tailor portfolios to meet financial goals while supporting environmental, social, and governance priorities for sustainable growth.
Personal
Holistic wealth management: Tailored strategies for financial planning, investing, retirement, insurance, estate, and tax needs. Coordinated solutions to turn your goals into reality.
Institutional Manager Research
Derrick prioritizes prudent institutional investing through robust processes, not just performance. By diversifying portfolios across specialized, world-class money managers, they minimize risk and ensure alignment with client goals. Continuous evaluation of managers maintains performance standards and value alignment. This tailored approach matches clients with the right strategies, avoiding one-size-fits-all solutions. With access to a wide array of investment managers, we customize solutions to meet unique needs, ensuring long-term success through disciplined, client-centric wealth management.
Contact us today to learn more about our process and how it can help you or your organization reach your goals.
Custom designed portfolios
The basis of long-term, successful money management, the four-step Portfolio Approach is predicated around creating a customized investment portfolio that reflects your investment needs throughout the various stages of your life.
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.
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.
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 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.
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.
Financial resources
Insights
Read the latest on markets and more from our team as well as experts and thought leaders at RBC.