The Caring Beyond Wealth Approach
Based in Vancouver, Mauricio takes the time to understand what matters most to you. He brings together investment management, retirement, tax and estate consideration to create a coordinated wealth strategy that evolves with your life, family, future generation, business and long term goals
A More Coordinated Approach
We work with retirees, individuals approaching retirement, business owners, professionals and established families seeking a more thoughtful and coordinated approach to managing wealth. Whether you are building your future, transitioning into retirement or planning your legacy, we help bring clarity and structure to your financial decisions.
Learn how caring beyond wealth makes a difference
We help clients across Canada navigate important financial transitions where several decisions must work together. These are some of the real situations Mauricio helps clients think through.
Business Owners: Corporate Cash Without a Coordinated Strategy
Imagine a business owner who has built a successful company in Vancouver and accumulated $1.5 million inside their corporation, in addition to the value of the operating business. They must decide how much to retain, invest, distribute personally or preserve for a future transition. The investment decision matters, but so do taxes, cash flow requirements, retirement plans and the eventual transfer or sale of the business.
Retirement Is More Than a Number
Caring Beyond Wealth Through Every Stage of Retirement: Retirement planning is not simply about reaching a savings target. It is about turning what you have accumulated into reliable income while coordinating taxes, government benefits, lifestyle needs and the legacy you hope to leave behind. Through a Caring Beyond Wealth approach, Mauricio helps clients look beyond the numbers and build a retirement strategy around the life they want to live.
Retirees & Pre-Retirees: The Same Savings, Different Retirement Outcomes
Consider a Vancouver couple retiring with $1.8 million across RRSPs, TFSAs and non-registered accounts, plus CPP and OAS. Withdrawing the same amount from a different account or beginning government benefits at a different time may affect their taxable income and how long their savings last. The question is not simply how much they have. It is how all their income sources will work together throughout retirement.
Professionals and Executives: Turning Career Success Into a Coordinated Wealth Strategy
Consider a Vancouver executive earning $650,000 annually, with $5,000,000 across RRSPs, TFSAs and non-registered investments, plus $1,000,000 in company shares. They must decide how to invest annual bonuses, diversify concentrated shares and prepare for retirement or a future career transition. The investment decisions matter, but so do taxes, cash flow, family priorities and the risks of having too much wealth tied to one company.
Estate and Legacy Planning: A $5 Million Estate May Not Transfer as $5 Million
A client in Vancouver may have a $5 million estate consisting of a home, registered investments, insurance and other assets. Taxes, account ownership, beneficiary designations and estate costs can all influence how efficiently that wealth reaches family members or charitable causes. A coordinated estate strategy can help clients across Vancouver and British Columbia understand what transfers directly, what passes through the estate and where additional planning may be needed.
Your Caring Beyond Journey: Client Onboarding
A thoughtful, structured process designed to understand what matters to you and bring every part of your financial life together.
Introduction
We begin with an open conversation about your priorities, questions and concerns. This is an opportunity to get comfortable, understand how we may work together and determine whether the relationship is a mutual fit.
Discovery
We document your goals and develop a clear understanding of your financial picture. Together, we discuss your assets, income needs, time horizon, growth objectives and comfort with risk.
Personalized Proposal
We present a personalized action plan designed around your circumstances and goals. You will see how the different areas of your financial life can work together within one coordinated roadmap.
Implementation
Once you are comfortable moving forward, we help open your accounts, coordinate asset transfers and connect you with the appropriate specialists when additional expertise is required.
Ongoing Care
Your strategy is regularly reviewed, refined and adapted as your life, priorities and financial circumstances change. Caring Beyond Wealth means the relationship continues long after the plan begins.
Caring Beyond Wealth Through Every Stage of Life
1. Starting Out
Building your career, managing debt, purchasing your first home and establishing strong saving and investing habits.
2. Building a Family
Protecting the people who matter, purchasing a larger home, saving for your children’s education and putting an estate plan in place.
3. Building Wealth
Growing your investments, managing taxes and coordinating wealth held personally, through your business or across multiple accounts.
4. Navigating Life Changes
Adapting your strategy through marriage, separation, inheritance, aging parents, business transitions, relocation and other significant life events.
5. Preparing for and Living in Retirement
Understanding whether you have enough, deciding when to retire, coordinating CPP, QPP, OAS and pensions, and turning your savings into sustainable retirement income.
6. Estate and Legacy
Protecting what you have built, supporting family during your lifetime, preparing for taxes and care needs, and planning how your wealth will pass to future generations or meaningful causes.
Caring Beyond Performance: How We Are Different
We do not define value by short-term performance or by trying to outperform the market. Instead, we focus on what can have a meaningful and lasting impact on your financial life: care, coordination and disciplined decision-making. Our approach begins with understanding you. We then build and professionally manage a well-constructed portfolio with an asset allocation aligned with your goals, time horizon, income needs and comfort with risk. Where appropriate, alternative investments may also be considered as part of a broader diversification strategy. The goal is not to chase performance. It is to create a thoughtful, integrated wealth strategy designed around you. Investment returns are not guaranteed. Alternative investments may involve additional risks and may not be suitable for every investor.
Mauricio's bio
Leveraging RBC’s comprehensive wealth management resources and RBC Family Office Services, Mauricio is committed to helping clients achieve both their financial and life goals.
Frequently asked questions
Clear answers to common financial questions, explained directly by Mauricio
Should I invest through my corporation or withdraw the money and invest personally?
There isn't one approach that works for every business owner. The decision can depend on your corporate structure, personal cash flow needs, tax situation and long-term plans for the business. I look at corporate and personal assets together when building the broader wealth strategy.
Should I maximize my TFSA or RRSP first?
It depends on factors such as your income, tax rate, available contribution room and when you expect to need the money. For many clients, both accounts can play important but different roles within their long-term plan.
Can my RRSP become too large in retirement?
A large RRSP can provide significant retirement savings, but withdrawals are generally taxable. Eventually, an RRSP must be converted to a RRIF or another eligible retirement income option. Planning ahead can help you understand how future withdrawals may affect your taxable income and overall retirement strategy.
How much retirement income can my investments provide?
Your sustainable retirement income depends on more than your portfolio size. Spending needs, investment mix, taxes, pensions, CPP or QPP, OAS, inflation and how long the assets need to last should all be considered together.
Can my retirement income affect my OAS?
Yes. OAS benefits can be reduced when your net income exceeds the applicable annual threshold. Managing the timing and sources of retirement income can therefore be an important part of retirement planning.
When Should You Start Working With a Wealth Advisor?
It’s not necessarily about reaching a specific investment account size. Often, the need for advice becomes more important as your financial life becomes more complex. In this video, Mauricio Bonaguro, Investment Advisor with RBC Dominion Securities, discusses some of the situations where working with a wealth advisor may become valuable from approaching retirement and managing significant assets to business ownership, estate planning and family wealth.
What Should You Prepare Before Meeting With a Wealth Advisor?
You don’t need to arrive with every document perfectly organized. What can be helpful is having a broad understanding of your financial picture and an idea of the goals and questions that matter most to you. In this video, Mauricio Bonaguro, Investment Advisor with RBC Dominion Securities, explains what you may want to consider before meeting with a wealth advisor. That can include information about your investment accounts, real estate, debts, corporate assets and other major financial obligations. It can also help to think about your longer-term priorities from retirement and family planning to tax efficiency, business succession and estate considerations.
Is Wealth Management Just About Investing?
Investments are an important part of building and managing wealth, but they’re only one piece of a much larger financial picture. In this video, Mauricio Bonaguro, Investment Advisor with RBC Dominion Securities, explains why wealth management can also involve retirement planning, tax-aware decision-making, estate and legacy planning, business succession, and transferring wealth to the next generation. These areas of your financial life don’t necessarily exist in isolation.
Guides for everyone
You don’t have to be a client to benefit from thoughtful financial guidance. Explore complimentary guides, practical insights and articles designed to help you better understand your current financial position and the decisions ahead.
Financial strategies for seniors
Thoughtfully prepared resources to help you make more informed financial decisions
Estate planning guide
How planning for tomorrow – today – can help your estate aspirations
Family inventory
All the necessary documents and details in one place to help ensure all assets are accounted for and considered, and that your loved ones are taken care of.
Financial planning facts
Comprehensive list of key information, such as deadlines, contribution limits, and tax facts
Tax saving stratgies for high income earners
Explore key considerations that may help you manage taxes more effectively and keep more of your wealth working toward your long-term goals.
Insurance strategies
There are ways insurance can provide security while offering a fresh perspective on solutions to complement your wealth plans.
Beyond wealth insights
Read the latest on markets and more from our team as well as experts and thought leaders at RBC.
How electric power is increasingly becoming a constraint on U.S. economic growth
Bridging worlds: Tokenization connects digital and physical assets
Watch Mauricio on Youtube
Explore practical videos on investing, retirement, tax planning and wealth management to help you make more informed financial decision
What Is Wealth Management? It’s More Than Just Investing
For many people, investing is the first thing that comes to mind. But as your wealth grows, your financial life can become more complex involving retirement planning, tax considerations, estate planning, business ownership, charitable giving and family legacy. In this video, Mauricio Bonaguro, Investment Advisor with RBC Dominion Securities, explains why wealth management goes beyond managing an investment portfolio and how a coordinated approach can help bring the different pieces of your financial life together.
What Should You Prepare Before Meeting With a Wealth Advisor?
In this video, Mauricio Bonaguro, Investment Advisor with RBC Dominion Securities, explains what you may want to consider before meeting with a wealth advisor. That can include information about your investment accounts, real estate, debts, corporate assets and other major financial obligations. It can also help to think about your longer-term priorities — from retirement and family planning to tax efficiency, business succession and estate considerations.
Is Wealth Management Just About Investing?
In this video, Mauricio Bonaguro, Investment Advisor with RBC Dominion Securities, explains why wealth management can also involve retirement planning, tax-aware decision-making, estate and legacy planning, business succession, and transferring wealth to the next generation.
These areas of your financial life don’t necessarily exist in isolation. An investment decision, for example, may have implications for retirement income, taxes or estate planning.