Lockhart Private Wealth of RBC Dominion Securities
Your life goals are our life’s work
You have dreams. We have the expertise to help you make them a reality.
Our team of experts is poised to help you take advantage of opportunities, handle challenges, and – ultimately – reach your goals. Taking an all-encompassing, personalized approach, we lean on the sophisticated tools, best-in-class resources, and esteemed specialists of RBC to manage, grow, and preserve your wealth.
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 wealth management approach is designed around you. We follow a five-step process and our solutions are individually tailored towards your needs. We develop solutions with a team-based approach and work together with other trusted professionals to provide the most comprehensive solutions.
Accumulating
Growing assets: The development of strategies that will help you to achieve your key financial objectives, including planning for retirement, funding an education, or preparing for a major purchase.
Converting
Creating an income stream: Leveraging strategies to reduce annual taxes and help you to maximize your after-tax retirement income. This also involves determining which types of income to use and how to best utilize your assets.
Protecting
Maintaining assets: By helping you to manage risk to protect your financial well-being, we can help provide you with peace of mind, maintain your independence, and preserve both family harmony and your current lifestyle.
Transferring
Creating a legacy: In assisting you to plan your estate with the help of the firm’s internal resources and our professional network, we can help you to create a legacy for your family or favourite charity, while addressing tax obligations and debts.
The four-step Portfolio Approach
The Portfolio Approach is predicated around creating a customized investment portfolio that reflects your investment needs throughout the various stages of your life.
There are four steps to the custom Portfolio Approach:
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
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
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.
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.