People are our passion, growing wealth is our trade
At Empringham Bridger Private Wealth Partners, we find fulfilment in the client stories that breathe life into the work we do: their career and what inspired it, the people and passions that give life meaning, or the dreams they hold for their future. As your trusted partners, we’re here to help you write the next chapter and make building and preserving your family’s wealth feel simple. Through open dialogue that gets to the root of what’s most important, we map out your goals, create a plan to achieve them, and collaborate with our local community of wealth professionals to support your every need.
We believe in achieving more, together
Working together, our service becomes greater than the sum of our parts. With our relationship managers, trading experts, direct support associates, global support associates, and a team of experienced partners by your side, we work collaboratively towards a common goal: ensuring that every financial need you face in life is a need we can plan for, and act upon, together.
Responsible for your overall financial well-being, our highly experienced relationship managers serve as trusted stewards of our clients’ wealth, dedicated guides towards their long-term goals, and primary contacts every step of the way.
Paul Empringham
Jeremy Bridger
Ken Lancaster
Marianne Currado
Elizabeth Spaan
Wealth planning
Our wealth building approach is innately collaborative, personalized, and all-encompassing
It’s an approach that comes from our unique history – how an Investment Advisor, Private Banker, and Chartered Professional Accountant came together to offer money management, financial planning, and tax-smart wealth solutions under one roof.
Working closely together, and drawing from the expertise of our respective professional networks, we ensure that every financial need you face in life is a need we can plan for together.
Financial and retirement planning
Business owner planning
Tax planning
Will and estate planning
Women in wealth
Holdco and trust solutions
Insurance analysis
Financial literacy
Mental health and wellness
Charitable giving
Banking and credit advice
Investment management
Business owners & agricultural families
We understand that your business or farm mean everything to you and your family, and we’re well-versed in helping people like you make the most of everything you’ve built. From tax-smart money management and income-focused investing to strategic succession and retirement planning, we can help you make the most of your legacy and ensure your next chapter is the best one yet.
Professionals
With over 100 combined years in financial services, our team is highly qualified to help a range of professionals navigate the ins and outs of their practice through personalized strategies and unwavering support. Freeing your time to focus on what matters most to you, we provide goal-driven investment management, insurance and financial planning, sophisticated tax-saving strategies, and more.
Women in wealth
Women are a force to be reckoned with in the labour market and, as a result, face unique challenges regarding their finances. With an ever-increasing share of household income and overall net worth, it’s imperative to have a team like ours that prioritizes your financial well-being, increases your confidence in financial decision making, and helps you enjoy the fruits of your labour now and into the future.
Individuals and families
One of the most rewarding parts of our job is helping someone plan for the education of their grandchild, or the careful structuring of their family estate for the next generation. We guide your family’s financial discussions with a focus on investing for income, securing your legacy through an air-tight estate plan, and achieving the retirement and charitable goals you hold close to heart.
Investing
We’re here to protect what you have built, and build towards what you have yet to achieve
We take the time to learn your story because we’re passionate about people. As importantly, this deep understanding enables us to craft a personally tailored investment portfolio – to complement your wealth plan – with your priorities, family needs, and life ambitions as our guide.
Your big-picture investment strategy
We start by understanding your financial needs and goals, your aspirations for the future, and your profile as an investor. Only then can we begin construction on a distinct and complete wealth strategy.
Your goal-driven Investment Policy Statement
Next, we work closely with you to design the blueprint of your investment portfolio – something called an Investment Policy Statement (IPS). The IPS documents firm parameters — individual goals, comfort level with market risk, income requirements, and more – and allows us to create and maintain a truly personalized investment portfolio for your needs.
Your personalized investment portfolio
Finally, we construct the portfolio – determining the right mix of investment types (stocks, bonds, etc.), and selecting high-quality businesses that generate profit, cash flow, dividends, and consistent growth. At this stage, we also compare notes with our combined networks of analysts and economists.
Your peace of mind
Our investment experts, Paul Empringham and David Packham, spend their days following and analyzing the latest research, market trends, events, opportunities, and – most importantly – risks. As a licensed Portfolio Manager, Paul makes proactive investment decisions on your behalf, so you can rest assured your savings are positioned to weather whatever turbulence the markets may endure.
Investment philosophy
What’s your investment philosophy? It’s a great question, and one that Paul, our team’s founder and lead investment strategist, likes to answer with an analogy:
“Owning a rental property generates a certain income. It’s a long-term investment that, when maintained and in the right location, can provide predictable cash flow to grow your wealth and sustain your lifestyle. There’s no reason your investment portfolio, if maintained and invested in the right securities, can’t provide the same tangible benefits. Only, you don’t have to be a landlord.”
Preservation first, growth second
This means ignoring the one-off market trends, meticulously researching to avoid undue risk, and keeping on a steady course towards your long-term goals.
Timely communication
We stay in touch, keeping you ever-informed of your progress towards your goals. And, we’re always available – to address your concerns, answer your questions, and swiftly adjust your investment strategy when your needs evolve.
Trusted, diligent, professional oversight
Forming a close connection with every client we serve, we proudly invest your wealth as if it were our own. This level of trust is critical to our approach, and our clients’ financial success.
Tax-smart planning
Ken Lancaster, a Chartered Professional Accountant and previous Tax Partner of a national accounting firm, works with Paul and your accountant to exhaust every opportunity to minimize tax.
The Empringham Bridger difference
Complete customization
Leveraging Private Investment Management (PIM), one of RBC’s premium investment offerings, we are equipped to build client portfolios that are not only personalized to your specific objectives, but flexible enough to mature and evolve alongside your ever-changing needs, both personal and professional.
World-class management
With leading investment platform A+ paired with the scale and expertise of the Manager Research Team, we are empowered to build on our personalized portfolio recommendations by including world-class money managers to help round out our in-house expertise and help you make the most of your wealth.
Alternative investments
To provide you even more ways to meet your investment goals, we offer alternative investments outside of traditional asset classes and diversified across geographies. This may include real estate, private equity, and much more, all of which serve to enhance returns, reduce risk, and improve diversification.
Our community
“We make a living by what we get, but we make a life by what we give.” – Winston Churchill
Giving back to the community is a way of life for our team members, and we’re fortunate to support clients whose passion and generosity inspire us every day. By learning about what causes matter most to you, we can construct a socially responsible investment portfolio (SRI), a big-picture philanthropic strategy, or a family foundation as part of your wealth plan that will maximize your impact and your after-tax income.
Ronald McDonald House meal adoption
Our monthly date at the Ronald McDonald House South Central Ontario is a special opportunity for our team and partners to help keep the grounds clean and the cookies fresh.
Habitat for Humanity build day
Our team and partners at RBC Commercial Banking had the chance to collaborate with our friends at Scarfone Hawkins LLP to participate in a Habitat build day, laying over 1,350 rolls of sod.
Ronald McDonald House charity golf tournament
Marianne enjoyed participating in the charity golf tournament in support of Ronald McDonald House. The highlight was meeting a few families who have relied on support from RMH during difficult times.
Who we support
Insights
You’ve learned about our story. We’d love to learn about yours.
Let’s discover how we can help you grow your wealth and reach your goals.
Email:paul.empringham@rbc.com
Phone:905-312-2906