Roy Private Wealth Management Group of RBC Dominion Securities

Wealth management is a comprehensive approach that goes far beyond investment advice. It helps you achieve the financial future you dream of. By adopting an integrated wealth management approach, we support you to:

• Protect your lifestyle
• Manage your savings
• Plan your retirement
• Create a lasting legacy
• And many other objectives

At every stage of your life, we help you and your family navigate the financial challenges, opportunities, and issues that arise. Together, we develop strategies tailored to your circumstances.

Contact us to discuss your financial goals. We will be happy to show you how we can help you achieve them.

Effective management of your assets is based on a personalized portfolio approach that evolves with your needs throughout your life. Here's how we proceed:

Step 1 - Understanding your needs and objectives: We start by truly listening to you. We take the time to understand your investment objectives (retirement savings, business financing, etc.), your time horizon, your return expectations, and your risk tolerance. This process is not one-time: we continuously adapt your strategy as your situation evolves.

Step 2 - Defining your investment strategy: We develop a personalized investment strategy that serves as a framework for managing your assets. It specifies your objectives, your income needs, your timelines, your portfolio composition, and the criteria for selecting securities. This strategy becomes your benchmark to measure your progress.

Step 3 - Building your portfolio: We structure your portfolio by selecting from a range of diversified investments:

• Growth-focused investments (Canadian, American, or international equities)
• Income-focused investments (government and corporate bonds)
• Capital preservation investments (guaranteed investments)

We rely on the expertise of the RBC Investment Strategies Committee, RBC Capital Markets, and independent firms. You receive precise, appropriate, and thoughtful recommendations.

Step 4 - Monitoring and adjustments: We regularly review your portfolio with you and recommend necessary adjustments to keep you on track. You also receive detailed account statements, portfolio review reports, operational updates, and your tax documents.

The A+ program gives you simple access to a fully personalized investment portfolio managed by professionals. It gives you access to the world's best investment managers, backed by RBC's proven investment methodology.

A Different Approach : Unlike most investment programs, A+ does not impose rigid criteria. Your portfolio is entirely customized according to your preferences: capital growth, investment income, or asset preservation. Once created, professionals manage it for you within specific parameters, allowing you to focus on your other priorities.

What you get with A+:

• The expertise of the best asset management firms, rigorously selected and coordinated in a single unified and personalized portfolio
• Cutting-edge technology that consolidates multiple managers into a single portfolio, with unified statements and synchronized asset allocation
• A proven investment methodology: your portfolio is established, monitored, and rebalanced according to your directives
• A modern approach that helps you achieve your financial goals simply and efficiently

Building your personal wealth and your business wealth through specialized advice

Being a business owner requires time, attention, and constant decisions that impact your business's financial health. That's why it's essential to rely on the best tools and services to manage your finances effectively. That's exactly what we offer you.

Our solutions can help you if you wish to:

• Manage your business assets and your personal assets separately and efficiently
• Invest, preserve, and maximize your excess liquidity
• Develop a succession plan that ensures a smooth transition
• Generate diversified and tax-advantaged income from the proceeds of a sale
• Protect yourself against the loss of key employees through insurance solutions
• Protect your personal assets and those of your business in case of adverse events
• Retain your employees with employer retirement plans

To learn more, contact us.

Live comfortably throughout retirement

Whether you are far from retirement, approaching it, or already in it, a comprehensive plan and specialized advice are essential to achieve and maintain the lifestyle you dream of.

We support you in this process by offering you the strategies, service, and solutions suited to your situation to live comfortably throughout your retirement.

Our retirement planning solutions can help you if you wish to:

• Forecast your retirement needs and identify measures to meet them
• Convert your savings into diversified and tax-advantaged retirement income
• Protect your wealth through an optimal balance between risk and return
• Monitor your progress toward your savings goals and your portfolio's performance
• Optimize the tax benefits of your investments outside an RRSP
• Plan a tax-advantaged withdrawal schedule
• Develop an estate plan that ensures a quick and efficient transfer to your loved ones
• Protect your personal assets and your family's lifestyle in case of adverse events
• Create a lasting legacy by leveraging your funds, time, and passion
• Optimize family income splitting

To learn more, contact us.

Everything you need to know

Good estate planning requires examining several important elements: tax reduction, financial security for your loved ones, smooth transfer of your wealth, charitable giving, and much more.

This guide covers the following topics:

• Drafting valid and up-to-date wills for all adults in the family
• Assessing your insurance coverage
• Understanding the ownership structure of your assets (joint ownership agreements, etc.)
• Advanced estate planning strategies (living trusts, etc.)
• Charitable giving planning

Get your free copy of the Estate Planning Guide. To learn more, contact us.