A destination practice
Our team is high-performing and award-winning, but most of all, we’re united in understanding that this profession allows us to achieve some very special outcomes for our clients and the families we work with.
Michael Yhip
Tiffany L. Harding
Louie Chen
Jim Gandhi
Dylan Tremblay
Noah Hirji Gliatis
Rucha Mistry
Wealth services
World-class wealth advisory
The confidence knowing you’re on a path for success – this is what phenomenal wealth management can provide. We’ve built an ecosystem, with our internal and external partners, serving our clients’ every need – investing, banking, planning, business value creation, mergers & acquisitions, charitable giving, and more.
Complexity made simple
We regularly solve problems our clients have never faced before, transforming complex situations into effective next steps.
Five-star process & plan
A financial plan is most effective when it considers the entirety of our clients’ needs, from retirement tax strategies to estate planning.
Full-service for family continuity
With a focus on building long-standing relationships with the entire family, we’re able to provide steady wealth planning for generations.
Strong collaboration with existing advisors
To ensure a seamless service, we communicate and collaborate with existing accountants, lawyers, and other advisors.
Growing companies is our business
Fast-growing entrepreneurs have a specific set of needs. Once a plan is in place, we turn our focus towards helping grow our clients’ businesses.
Strategic giving
We empower our clients' philanthropic wishes, including the establishment of charitable foundations or aligning their investments to generate social and environmental returns, as well as financial.
Extreme partnership for exceptional results
Insurance Services
Insurance is a cornerstone for wealth creation and protection for the families we work with. It helps us manage risk, provide alternative choices to magnify your wealth, reduce your taxes, and ensure that funds are passed on to future generations or charities.
For business owners, we also help coordinate health and benefits reviews for employee benefit packages with RBC Group Insurance. Our reviews often lead to significant savings and a better understanding on how to cost-effectively support physical and mental wellness in your workplace. We also deliver sophisticated home and auto insurance solutions for complex needs like multiple properties in various jurisdictions, or bespoke assets like art and vehicles.
Backed by the strength of RBC
The firm behind us is recognized as among the finest in the world. We’re proud of our affiliation with the Royal Bank of Canada as it provides us, and by extension, our clients, access to the leading resources, technology, and experts in the industry.
Investments
Award-winning experience
In recent history, three periods mattered most in the markets: 2008, 2018, and 2020. How a money manager reacted to those moments outlines 1) how they think and 2) how they manage risk.
How we think
After co-founding a multi-strategy, macro hedge fund shortly before 2008, Michael Yhip successfully steered his clients through the Great Recession. He was awarded a Morningstar Canadian Investment Award for the positive investment performance he delivered over those years and is one of only a handful of advisors with the accolade in the country.
Agility is a competitive advantage
As a discretionary portfolio manager, our team can take advantage of market opportunities and quickly act on market information while allowing our clients to focus on their other priorities.
Thought should precede action
Buying or selling an investment position itself doesn’t add much value: expertise, discipline, instinct, and decades of institutional financial experience do.
Capital protection is critical
We focus on protecting for the downside and mitigating unnecessary risk, which allows us to go on the offensive when investments are most attractively priced.
How we manage risk
Long-term wealth creation
An investment portfolio untied from a plan lacks direction. By identifying where our clients want to go and when they want to get there, we can determine the required return and appropriate risk.
Alternative investments
Due to the underlying complexity, not every professional can employ alternative investment strategies. Our team has extensive experience investing in alternatives for diversification and uncorrelated returns.
Risk-adjusted, tax-smart returns
With each investment decision, we seek higher levels of return at lower levels of risk. At the same time, ensuring every portfolio is structured in a tax-efficient manner.
Holistic risk management
Risk isn’t specific to investment portfolios. For many of our clients, risk is concentrated in their business, company stock options, real estate, or other illiquid assets.
Who we help
Solving complexity at its highest levels
What inspires us to roll up our sleeves? Knowing that we might be the only people who can do what we do for our clients. We specialize in advising highly-affluent families, business owners, and entrepreneurs who are ready to graduate from their current source of advice.
"They provide the clarity, confidence, and expertise today’s business owners and highly affluent families can depend on."
– David Agnew, CEO, RBC Wealth Management Canada
Michael and his team exemplify what it means to bring the best of RBC to their clients. With experience and a proven record of navigating challenging market cycles, they provide the clarity, confidence, and expertise today’s business owners, and highly affluent families can depend on. Blending world-class investment management, comprehensive wealth advice and exceptional service, Michael and his team ensure that every aspect of a client’s financial life is thoughtfully managed. In choosing them, you will benefit from their ability to help you achieve your most ambitious goals.
“Driven, knowledgeable and passionate and have made navigating the world of finance and investments easy.”
– Matt and Emilie, Early Employee/Owner of Hyper Growth Technology Start-up
As a couple with essentially no investment or finance experience and working through some changes when our ownership in a private technology company went public, we’ve really appreciated how helpful and down-to-earth Michael and his team have been throughout the process.
They're driven, knowledgeable and passionate and have made navigating the world of finance and investments easy for our young family.
“They make me feel confident that I have the right advice as I continue my journey.”
– Tony Lourakis, CEO and Founder of Fleet Complete | 2 x E&Y Entrepreneur of the Year Award (Technology)
Over years I have built a deep and trusting relationship with Michael. He invests significant time to understand my personal and business needs and how they might influence and impact our comprehensive wealth management and investment strategy. His team works seamlessly with my other professional advisors and together, they make me feel confident that I have the right advice as I continue my journey.
“Michael and his network, both internal and external to RBC, have been a one-stop shop for me across all my personal and business needs.”
– Suzie Yorke, CEO and Founder of The Good Fat Co. | Canada's Top 100 Most Powerful Women Award 2019, RBC Women Entrepreneur Awards (Ones to Watch) 2020
The reason that I started to work with Michael quite frankly is because the first thing he did was go out of his way to solve a problem I was having. It was financial, and had little to do with what Michael does on a day to day basis but he took the time to make something right. From that point on, Michael and his network, both internal and external to RBC, have been a one-stop shop for me across all of my personal and business needs covering financial planning, investments, insurance, capital markets advisory, estate planning and other related matters.
The rocket ship growth of Good Fat Co. has highlighted how important it is to work with effective people, and the fact that I can also have a wonderful relationship with a great human being in Michael has been a fantastic experience.
“We have trusted Michael and his team to take care of our financial future and ultimately the well-being of our children and generations to come.”
— Brian and Jacqueline
It is one of the most important relationships we have. And having known Michael for decades, we are thrilled to have him as both our close friend and Advisor.
"Michael brings a deep understanding of our family’s evolving goals, making his guidance consistently relevant, timely, and personal."
— Tyler Rooney, Co-founder of Format.com and Auriol Marasco, Partner at a leading Canadian law firm
It can be incredibly daunting to figure out if and when your family needs a certain financial plan or product. Are you wasting your time on something you don’t need or possibly missing an enormous one-time opportunity? We are incredibly thankful that for the last 10 years Michael has been such a thoughtful and forward-looking financial advisor and friend.
From the get go, Michael took the time to both understand our personal situation and ensure that we were both educated and comfortable with his proposed plans and priorities. At every step, Michael connected us with his network of trusted advisors across RBC, insurance, and legal. The thoughtful planning we undertook years in advance had a big impact for our family when it came time to sell Tyler’s company.
We’ve also found immense value in working with Michael for so many years. His experience navigating complex financial markets and understanding client priorities at every life stage is exceptional. What truly sets him apart, though, is his commitment to building meaningful relationships. Michael brings a deep understanding of our family’s evolving goals, making his guidance consistently relevant, timely, and personal.
Value beyond traditional wealth management
We’re a destination practice, while the firm behind us is recognized as among the finest in the world.
Bending the reality of what’s possible
We’re constantly finding new ways to be extremely helpful for our clients, going above and beyond to find answers and solutions.
Exceptional client service
Our service is proactive. Every client deserves to know exactly where they are headed after every interaction.
“We’re united in understanding that this profession lets us do very important things for our clients.”
Blending award-winning investment management, wealth advice, and exceptional service to our clients’ best advantage.
Listen to the latest episode of MarketCast
Looking for a quick update on the market and the economy? Listen to Michael’s soundbites for on-the-go insights and perspectives.
Insights
We create value beyond traditional wealth management in ways our clients – business owners, entrepreneurs, and highly-affluent families – aren’t expecting.
1. Discovery meeting
There’s no obligation. In this meeting, we build an understanding, explain our service, and establish how we’ll measure success.
2. Proposal
We present a proposal for what we plan to achieve together, and then ensure our service is aligned with expectations.
3. Plan and execute
We build an overarching wealth management roadmap of core services, covering financial planning, tax minimization, investment management, insurance, risk management, and estate planning.
4. Monitor and evolve
We then consider the other ways we can add value beyond traditional wealth management and be extremely helpful.