Moffat Wealth Management of RBC Dominion Securities

For the overwhelming majority of people, creating wealth is the product of very hard work, combined with responsible and practical spending habits. Given the value of what it takes to earn and save, it is critical that net worth management be given an equally high degree of respect. When it comes to investing, anyone can buy a security, or act on a stock tip, the result of which is an account comprised of hot stocks tips with no correlation, nor predictability, leaving the future to chance or luck. Rarely do investors really consider the risk, consequences and the long-term effect of taking these chances versus the reward. The underlying premise of the Moffat Wealth Management Program is the active application of risk/reward in both portfolio management as well as the individual security selection within. It was created to offer a much higher degree of predictability regarding your investment assets, and an overall integrated approach to managing your net worth as a whole.

Net worth encompasses all assets and liabilities including real estate, personal businesses, trusts, holding companies, employment granted options, lines of credit and loans. The allocation of annual savings should involve consideration of all elements of net worth. Most advisors automatically assume annual savings should be allocated to mutual funds or stocks or bonds. Making a proper capital allocation decision involves a variety of considerations such as investing in real estate, home improvement, a personal business or, at times, paying down debt. Evaluating decisions on a net worth basis leads to much better financial decision making, and is a far superior method to determine the use of capital. It has greater potential to lead to superior wealth creation.

Family profile – we get to know you, your family and your goals.

Net worth statement and analysis – we take a deep dive into your financial life and assess room for improved efficiency or alignment to your goals.

Financial planning – an accredited Financial Planner will examine your situation and design a personalized roadmap, which we will use to measure your success on an ongoing basis.

Investment Policy Statement – we create your IPS, a document that outlines, in detail, your unique investment goals, timeline, risk tolerance and other important considerations.

Investment summary and analysis – we present our suggested investment strategy to you, prioritizing your education along the way

Income projection – For goals like retirement, we discuss your projected sustainable income and how we can maximize it through tax-minimizing structures.

Estate planning and insurance – With the help of an Estate Planning Specialist at RBC Wealth Management Financial Services, we discuss any recommendations pertaining to your estate plan and the insurance products that may be best suited for your wealth preservation needs.

Strategies & recommendations – we provide a thorough review of your overall wealth strategy, answering your questions and collaborating with you to decide on a fully tailored plan.