Philip Zappacosta
Investment Advisor
Coordinating your business, family and personal wealth into one plan
Philip Zappacosta grew up inside a family business, where he learned that every financial decision reaches beyond the company, touching the lives of the people who depend on it. That understanding shaped a practice built to help clients see the full picture—connecting business interests, liquidity events and succession planning with their personal priorities and values to bring clarity and structure to all aspects of their wealth.
Personal accountability. Broader RBC capabilities.
Thoughtful advice across business, retirement and multigenerational wealth planning, supported by a network of specialists ready whenever the moment calls for it.
Who we help
Proudly serving professionals, business owners and multigenerational families.
Business owners and family enterprises
We help you turn business success into durable family wealth. For many entrepreneurs, the operating company is both their largest financial asset and their largest concentration of risk. We help connect the decisions inside the business with the wealth decisions outside it. These include managing corporate surplus and liquidity, preparing for succession or a future sale, coordinating retirement, estate and insurance planning and connecting with banking and lending specialists.
Professionals and executives
We help you convert earning power into a disciplined long-term wealth strategy through portfolio construction, investment management, retirement and cash-flow planning, tax-efficient saving strategies and estate coordination. We also provide family protection services and support you through major career, compensation or liquidity decisions.
Families building multigenerational wealth
We help you prepare the next generation before wealth changes hands. Successful wealth transfer involves more than accounts and estate documents—it requires communication, education, clarity around shared priorities and relationships that continue across generations. We coordinate investment strategies, estate and beneficiary planning, family governance and charitable objectives while preparing heirs for increased financial responsibility.
Planning with purpose
Every financial plan begins with a purpose. Together, we discover what you want your wealth to accomplish, when and why. Once the priorities are clear, we build an investment strategy and integrated plan around them, considering tax, retirement, insurance, cash flow planning and major life transitions so every decision supports the future you envision.
Our services
- Portfolio management
- Retirement and cash flow planning
- Business owner planning
- Will and estate planning
- Trust services
- Succession planning
- Insurance advisory services
- Credit and lending solutions
- Private and commercial banking services
- Charitable giving
What we do
Grow and manage your wealth.
Build and maintain a portfolio tailored to your objectives, risk tolerance, liquidity needs and time horizon, with ongoing monitoring and disciplined rebalancing to keep your strategy on track.
Connect business and personal wealth.
Coordinate the financial decisions that surround a privately owned business, including liquidity, diversification, succession, retirement and the wealth you build outside the company.
Plan for retirement and major transitions.
Translate future priorities into practical cash flow, savings and investment decisions so you can approach retirement and major life transitions with clarity and confidence.
Protect your loved ones and transfer wealth deliberately.
Coordinate estate, beneficiary, insurance and intergenerational planning alongside the appropriate legal, tax, trust and insurance professionals so wealth is protected and transferred with intention.
Bring the right people to the table.
Connect you with RBC and external specialists when deeper expertise can strengthen a decision, ensuring the right people are involved at the right time.
Keep the plan current.
Review and adjust your strategy as markets, tax rules, businesses, careers and personal circumstances evolve so your plan remains aligned with what matters most.
Our process
Understand the whole picture.
We learn about your family, business, assets, liabilities, priorities and concerns before proposing any solutions.
Define what matters most.
We separate urgent decisions from long-term objectives and identify where specialist advice is needed.
Build the investment and wealth framework.
We develop a clear strategy around your objectives, liquidity needs, risk tolerance, time horizon and practical constraints.
Coordinate expertise.
We bring in the right specialists and keep every handoff connected to your overall priorities.
Implement with clarity.
We help you understand what is being done, why it is being done and who is responsible for each part.
Review and adapt.
We keep your strategy current as markets, opportunities, businesses and family circumstances evolve.
Capital preservation with care
Your portfolio is more than a collection of holdings—it’s the foundation supporting your retirement, your business and your family’s future. The objective isn’t to predict every market move or chase the latest trends, but to build an intentional portfolio designed to participate in long-term growth while managing risk and preserving the liquidity you rely on.
Our investment principles
- Prioritize goals before products
- Diversify with clear intent
- Analyze risk before return
- Build for all market conditions
- Choose discipline over headlines
- Simplify wherever possible
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.