You have dreams. We have the expertise to help make them a reality.
Working in conjunction with our extended team of RBC experts, we help you take advantage of opportunities, manage challenges and, ultimately, reach your financial goals. Taking an all encompassing, personalized approach, we implement our sophisticated tools, world-class resources, and RBC Wealth Management specialists to manage, grow and preserve your wealth.
The Rubino Wealth Management Group
Leaning on experience and industry accreditation, our team helps bring financial peace of mind to families like yours.
It all starts with you
Our personal approach and personalized services centre on you and begin with getting to know you, your needs and your goals.
What we do
RBC Dominion Securities has helped Canadian investors achieve their financial goals since 1901. Today, the firm is Canada’s leading full-service wealth management firm, with over 400,000 clients across Canada.
At the Rubino Wealth Management Group of RBC Dominion Securities, we put our 65+ years of combined experience to work for you. Our approach encompasses investment management, as well as financial planning, tax minimization and estate planning strategies customized for you in partnership with our extended team of RBC specialists.
Whether you are investing for yourself, your family or your business, we can custom-design an investment portfolio to meet your specific needs for growth, income or capital preservation. We provide you with access to virtually every type of investment, including stocks, bonds, ETFs, GICs and money market instruments—all backed by proven investment strategy and top-ranked capital markets research. We facilitate all of the various investment accounts, including Registered Retirement Savings Plans (RRSPs), Registered Retirement Income Funds (RRIFs), Tax-Free Savings Accounts (TFSAs), Registered Education Savings Plans (RESPs), First Home Savings Accounts (FHSAs), Individual Pension Plans (IPPs), and non-registered investment accounts.
How we do it
To provide wealth management for your family, we follow a disciplined five-step process to keep you on-track to achieving your goals. A disciplined process keeps us all focused on what’s important—helping you live life the way you want.
Five-Step Process
- Introduction: We will introduce you to the wealth management services we provide, not just during our first meeting, but on an ongoing basis as your needs evolve and new services become available.
- Discovery: Together, we will gain a deeper understanding of your individual needs, goals and circumstances to help you clarify your financial objectives. This includes gathering together all your important financial information.
- Strategy: Next, we analyze your financial and personal information to match your objectives with smart, time-tested strategies. We can develop a financial plan followed by the Investment Policy Statement (IPS). The IPS determines the customization of your investment portfolio(s) structure and parameters.
- Solutions: We develop thoughtful and creative solutions tailored to your objectives, drawing from a wide selection of world-class products and services.
- Service: We regularly review your situation to ensure your financial objectives are being met in light of your changing needs.
Individual Pension Plans: An innovative solution for business owners and professionals that can supercharge your retirement savings
RRSP contribution limits make it hard for above-average income earners to save tax-efficiently for retirement. An Individual Pension Plan (IPP) can be an effective strategy that helps you maximize your retirement funding and reduce business taxes.
An IPP is an employer-sponsored Defined Benefit (DB) registered pension plan set up for an individual and designed to provide maximum retirement benefits and tax-sheltered contributions. IPPs are ideal for:
- Business owners, incorporated professionals, or key employees such as senior executives who need to boost their retirement savings.
- Individuals with T4 income of $141,000 or more.
- Individuals between the ages of 40 and 71.
Resources
Estate planning
Everything you need to know about estate planning
Proper estate planning requires careful consideration of many factors: reducing taxes, providing for loved ones, passing on assets in an orderly fashion, creating a charitable legacy and more.
Better understand your choices and make informed decisions with our complimentary estate planning guide.
Contact us for a free copy of the Estate planning guide.
Insights
Read the latest on markets and more from our team as well as experts and thought leaders at RBC.