Michael Trocchia, CFA, CAIA
Portfolio Manager
My Promise
Every process starts with a conversation about you, your investing history, personal background, family life, interests and most importantly your long term objectives. The discovery process is valuable; it lays the foundation for a relationship where your financial and lifestyle goals are always front and center.
Once we establish what is most important to you, it becomes my priority to provide the solutions. Together with the industry-leading RBC Family Office Services Team, no goal is unattainable. The solutions vary and often incorporate a financial plan, tax analysis, trust services, estate and business planning.
Your investment portfolio is built with a goals based approach and always compliments your long term objectives. Portfolios are custom built with the support of RBC’s research platform and our partnerships with some of the world’s leading investment managers. We build your portfolio using a flexible range of products and asset classes – there are no limitations or set structures, everything is customized to your needs.
My Clients
I work with professionals, entrepreneurs and real estate investors seeking to diversify their holdings. We form inter-generational links within a family by incorporating adult children into wealth transfer plans - an often forgotten but important step to ensure the preservation of a family legacy.
RBC is one of the world's safest and most resourceful banks, I am proud to share these benefits with all of my clients.
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 personal approach and personalized service centres on you, and it begins with getting to know you, your needs, and your goals.
Portfolio Management
The four-step Portfolio Approach
The basis of long-term, successful money management, 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:
Step 1 : 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.
Step 2 : 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.
Step 3 : 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.
Step 4 : 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.
Wealth Management
Coordinating your affairs to simplify your financial life
Wealth management provides the confidence to make sound financial decisions, plus the freedom to live life as envisioned. It also provides a clear roadmap for the future by addressing all financial aspects at each life stage. Every step of the way, we will be there as a personal guide.
To help you meet your various goals, we take a comprehensive approach that extends beyond investing to encompass lifestyle protection, retirement planning, intergenerational wealth transfer and legacy creation. With the expert support of our industry-leading RBC Wealth Management Services team, we can help you address your specific financial, tax, retirement and legacy planning concerns.
Asset protection, wealth transfer and estate settlement solutions
A Will and estate plan can be more than a set of directions for executors and loved ones; proactive estate planning can provide the peace of mind knowing that your wishes will be carried out and your loved ones taken care of.
Our estate planning solutions could be ideal if you need help:
- Investing your assets while guaranteeing a payout for your beneficiaries
- Maximizing the wealth you pass on to your loved one through tax-minimization strategies
- Replacing your income in the event of a disability, critical illness or long-term care situation
- Transferring your wealth to your beneficiaries tax efficiently
- Providing liquidity to help meet the tax obligations and costs associated with settling your estate
- Determining the most effective way to give to the charitable causes you support
- Managing executor or Power of Attorney duties
A+ Portfolios
A+ is an innovative investment platform that gives you convenient access to a professionally managed, fully customized investment portfolio. A+ provides access to some of the world’s leading investment managers, backed by RBC’s proven investment discipline.
With most investment programs, you are fit to the program. However with A+, the program is fit to you. Your A+ portfolio is individually crafted based on your unique needs for capital growth, investment income and asset preservation. Then, your A+ portfolio is professionally managed for you within strict parameters, freeing you to focus on your other important priorities with confidence.
Your customized A+ portfolio provides:
- The expertise of leading independent asset management firms, carefully assessed through in-depth research, and brought together in a coordinated, customized portfolio
- The latest portfolio management technology that brings together multiple asset managers into a single, unified portfolio with consolidated reporting and synchronized asset allocation
- A proven investment discipline that ensures your portfolio is set, monitored and rebalanced according to your specific investment guidelines
- A modern approach that can help you achieve your financial goals, without compromising on your personal values
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.
The RBC Difference
A Leader in Global Wealth Management
At RBC Dominion Securities, we provide the expert advice, personalized approach and sophisticated solutions you need to build and protect wealth – all backed by the strength and stability of RBC.
Serving specialized needs
While we are able to advise on any Canadian’s wealth, our accomplished team has expertise and experience serving the particular requirements of several key groups.
Business owners
With a complete understanding of the unique circumstances facing business owners, we offer fully integrated personal and business wealth planning that always keeps taxes top of mind.
Working professionals
If you’re still actively building wealth, we can help you prioritize goals, build your assets while managing debt, and plan for the future, so that you can focus on what truly matters most to you.
Business families
With a family-first approach and a savvy understanding of the impacts of business ownership, we focus on intergenerational wealth strategies that reflect your values, history, and unique needs.
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.