Earning your trust – ensuring optimal outcomes
At The Chieduch Group, we seamlessly coordinate every moving part of our clients’ financial lives with vigor and care, from the sale of your business to the growth of your savings to the efficient transfer of your legacy to the next generation. In doing so, we ensure optimal outcomes for our extended family – you and your family.
Meet the team
The Chieduch difference
The Chieduch Group has been built upon energy, work ethic, integrity and family values. Our clients value our team because we relentlessly solve any financial challenge thrown our way. We pride ourselves on delivering personalized solutions for our clients that are based on long-standing relationships founded on trust and understanding.
Ryan Chieduch
Trina Arjoon
Ryan Harder
A network of industry-leading specialists
The Chieduch Group is just a piece of the puzzle. Our professional network within and outside of RBC is invaluable, carefully-cultivated, and allows us to offer a complete family office experience.
High-Net-Worth & Business Owner Planning
Personalized tax, estate, succession, and financial planning strategies for affluent families and business owners
Financial Planning
Strategies and projections that reflect life stage, risk tolerance, and long-term objectives
RBC Private Banking
Banking packages, credit solutions, and cash management for clients with multiple income streams and sophisticated needs
RBC Premier Banking
Day-to-day banking and credit needs, handled in a convenient and efficient manner
Wills & Estates
Organized, tax-efficient transfer of assets to loved ones and charitable causes
Insurance Services
Independent advice and insurance solutions for the creation, preservation, and transfer of wealth
RBC Royal Trust
Tailored, thoughtful solutions for trust, estate, and incapacity concerns and opportunities
Professional investment management
At The Chieduch Group, the thoughtful management of our clients’ investment portfolio is the foundation of our service offering. Based on your goals, income levels, priorities and risk tolerance, we construct and manage your portfolio using a personalized investment strategy – one that takes both profitability and sustainability into account and balances opportunity and risk.
Personalized portfolios
Your portfolio is comprised of individual securities in place of fund-based products, as this approach allows for a timely, tactical risk management in addition to full transparency and minimized costs.
Long-term goals, short-term focus
You may have a long time horizon, but taking a large drawdown can compound into a different future. We invest for the long-term by minimizing drawdowns and fine-tuning tactical exposures in the short term.
Our long-term outlook
Securing and retaining access to essential infrastructure, minerals, and energy sources will emerge as paramount priorities.
We stand at the precipice of a transformational phase in the global economy, ushered in by the realignment of major economic factions. As the Western & Eastern economic blocs grapple for dominance, we are witnessing discernible shifts in supply chain dynamics, punctuated by increasing geopolitical conflict – this is leading to escalating inflation, rising interest rates, and moderated growth projections.
Reflecting upon the years that followed the Global Financial Crisis in 2008, it is evident that our global focus was primarily tethered to the accumulation of intellectual and technical capital. Pioneering advancements in software, electronics, and cloud infrastructure dominated the landscape, but not without repercussions. This singular focus inadvertently paved the way for a period of industrial inertia, notably outside the Asian markets. Our global physical infrastructure has shown signs of aging, despite gargantuan efforts, power generation capabilities remained static, and the equilibrium of supply and demand for pivotal commodities has become increasingly precarious.
As we cast our gaze forward, it is our conviction that the upcoming decade will be characterized by a resurgence in physical and industrial investments. Notwithstanding the profound transformations AI and other technological marvels offer, the foundational need for tangible investments in infrastructure and energy systems remains undiminished.
In a world that is progressively fragmenting into multi-polar zones, it is prudent to anticipate heightened contention over natural resources. As such, securing and retaining access to essential infrastructure, minerals, and energy sources will emerge as paramount priorities.
What Sets Us Apart
We prefer an approach that improves transparency and risk management.
We are fortunate enough to now manage well over $1 billion of client assets. We manage these assets in a much different way than the majority of our esteemed competitors, in part because we perform intensive research into individual securities and broader asset classes like equity, fixed income and alternatives.
Most of our peers, although certainly not all, have moved away from direct asset management and now outsource the investment process to external managers – in some cases using ETFs and other index solutions exclusively.
At the Chieduch Group we prefer an approach that favors direct ownership over 3rd party management whenever possible. This eliminates additional layers of fees while improving transparency and risk management. In contrast to most of our peers, we invest heavily in external research and employ a dedicated lead strategist to facilitate an investment approach that is free of rigid thinking while constantly challenging our own biases. We believe that a meritocracy of ideas will lead to superior risk-adjusted outcomes, and we put this into practice through our guiding investment principles.
Our guiding investment principles
- In an industry that has a reputation for complexity, we favour simplicity whenever possible. We believe a clean and straightforward portfolio helps clients more fully understand their investments, the risks being taken to earn return on those investments, and the rationale driving our decision making.
- We avoid the use of unnecessary industry jargon: each of our investment views can be distilled to basic elements and communicated to a lay person. In our opinion, jargon is often used in the industry to conceal a lack of understanding or to direct attention away from underlying risks.
- In all communication with clients, our objective is to empower and enlighten rather than obfuscate or confuse.
- In our opinion, there is no one single system that can consistently generate outperformance over time. Instead, we view the consistent application of guiding investment principles to changing circumstances as the key to outperformance.
- We believe the path to excellent performance comes not from a single “silver bullet” strategy, but from a constant focus on incrementally improving many different processes. The legendary British cycling coach Sir David John Brailsford calls this the “aggregation of marginal gains”, where optimizing many small processes is the key to substantial outperformance, even if the individual improvements seem modest in isolation. For us, this means taking a holistic view of clients’ objectives and exhibiting a dedication to improvement across every area of our expertise.
- We believe good investment decisions come from healthy skepticism that avoids veering into cynicism. Markets are prone to periods of both excessive optimism and excessive pessimism, driven by emotional investing; we believe we can outperform during these periods of excess by focusing on rational, objective decision making that prioritizes long-term thinking over short-term performance chasing.
- Economic realities are always changing, and while this dynamic nature of markets is one of the reasons we’re so passionate about investing, it also punishes investors who fail to adapt to a changing world.
- We guard against complacency, particularly after periods of success when the risk of overconfidence is highest.
- We avoid dogmatism by constantly testing our conclusions and seeking out opinions that run counter to our own – in our view, confirmation bias is a key risk that all investors must manage carefully in order to achieve long-term success.
- We are not afraid to implement non-consensus positioning in portfolios and often hold views that are materially differentiated from the aggregated market.
Integrated planning
Your wealth goals extend well beyond your investment portfolio – and our holistic service offering reflects your wide range of needs.
We empower our clients through a professional, all-encompassing planning experience that integrates portfolio management, wealth planning and professional partnerships. In fact, by partnering with your existing network of professionals – as well as other experts within RBC – we can bring the best solutions to you and your family.
Services beyond investing
Will & estate planning
Putting together plans that enable you to uphold your family’s lifestyle, even when you’re no longer by their side
Financial planning
Developing and executing a tailored approach to make the most of your unique financial circumstances, including leveraging specialized expertise in high-net-worth planning, as needed
Tax solutions
Taking an in-depth view of your circumstances and using sophisticated tax-savvy strategies to help protect your wealth
Retirement income planning
Coordinating a plan for healthy cash flow in your retirement years to support the lifestyle of your aspirations
Business owner services
Helping business owners develop a financial approach for today and for tomorrow, including taking advantage of relevant products, such as group pensions and retirement savings plans
High-net-worth banking
Serving your most complex cash flow, credit and lending, business financing and leasing, as well as cross-border banking requirements
Private insurance
Protecting your financial security, enhancing your after-tax wealth, and minimizing the impact of estate taxes through tailored advice and customized coverage for your high-value assets
Legacy planning
Helping you plan for and allocate funds to the beneficiaries of your choice, be they loved ones or charitable causes close to your heart
Access to credit at competitive rates
Offering convenient access to funds by leveraging the value of assets high-net-worth clients already own, such as their holdings in non-registered investment accounts
Charitable giving and philanthropy
Guiding your giving in an effective and efficient manner to maximize your impact in the areas that matter to you
Planning for healthy aging
Offering solutions to help you plan for a long, healthy retirement. Along with finances, our planning also considers your mental health, physical wellness, future
Family engagement
No matter your age, the age of your parents, children and grandchildren, your family’s wealth needs are ever-evolving, complex and at times competing. We take a nuanced and personalized approach to your family’s wealth to deliver outcomes that meet your family’s best interests at all times. Our conversations with you are centred around your family’s values, history and intergenerational wealth strategy, leading to your ability to make the most of your wealth.
We offer guidance and support to help you:
Prepare the next generation for the challenges and complexities of inter-generational wealth
Define family goals and objectives
Develop a family philanthropic strategy
Create a family mission and vision statement
Develop and execute a business transition strategy
Manage the financial implications of evolving health priorities
Navigate changes in martial status
How we help
We give you everything we’ve got
The Chieduch Group believes in building deeper, lasting, and more meaningful client relationships, so we can concentrate every bit of energy and expertise on the families we serve.
That’s why our clients feel they can come to us with pretty much anything. They know we’re always a phone call away – eager to apply our expertise and the strength of RBC to relentlessly solve any financial challenge life throws their way.
And, that’s not to say you need to pick up the phone, as we pride ourselves in anticipating needs and proactively solving your problems. We don’t let things sit around, and we don’t cut corners. Rather, we look around them so we can drive optimal outcomes with an incredibly high level of service.
Bringing the vast resources of RBC to a focal point for your benefit
We map out your desired future, consider inter-generational family objectives, and continuously engage the vast and specialized resources at our disposal for your benefit.
Business & family advisory
Preserving business and family wealth is a complex task that we’re well-equipped to solve
Estate & wealth transfer
Wealth transfer, business succession, legacy conversations – we address all of your estate concerns
Financial planning
A plan that considers every past, present, and future financial decision, in the context of your goals
Private banking & lending
Coordinating a plan for healthy cash flow in your retirement years to support the lifestyle of your aspirations
Tax planning
No two tax scenarios are the same, so neither should the strategies we employ to minimize your tax burden
Insurance services
Assessing insurance requirements and existing policies, so we can shelter your estate with exclusive protections and services
World-class investment management
The global economic landscape is increasingly volatile, and families with significant assets have an interest in stabilizing their wealth against this backdrop. That’s why personalization and risk management are at the core of our approach.
Personalized portfolios
Your portfolio is comprised of individual stocks and debt securities in place of fund-based products, as this approach allows for quick, tactical asset allocation adjustments to maximize portfolio returns while minimizing market risk.
Long-term goals, short-term focus
You may have a long time horizon, but taking a large drawdown can compound into a different future. We invest for the long-term by minimizing drawdowns and fine-tuning tactical exposures in the short term.
Capital Currents Newsletters & Bulletins
Compass Calls webinar recordings
Compass Calls provide regular updates with quick, informal insights on everyday topics that matter to our clients. Often featuring experts from within RBC and beyond, we break down key developments and provide objective advice on a variety of subjects to help our clients and their families stay informed and make better decisions.
March/April 2026 - Market Update
Join us for a quick, insightful webinar discussing our outlook on the markets with our Lead Investment Strategist, Ryan Harder.
May/June 2026 - Market Update
Join us for a quick, insightful webinar discussing our outlook on the markets with our Lead Investment Strategist, Ryan Harder.
Trust, honestly and truly
Your interests are our interests, and we care every bit as much as you do about achieving your life’s goals.
Email: chieduchgroup@rbc.com
Toll-free: 1-855-437-8784
Fax: 905-738-4190
3300 Highway 7 West
7th Floor
Vaughan ON, L4K 4M3