High-Net-Worth Private Clients

Discovery

Understanding what financial success means to each client is the foundation of our long-term partnership. We take the time to explore your aspirations, whether it’s preserving wealth, growing assets, or creating a legacy. By aligning our strategy with your personal and financial goals, we ensure a customized approach that reflects your unique definition of success.

Integrated Financial Plan

High net-worth individuals require a comprehensive strategy that goes beyond investment management. Our integrated financial plan encompasses estate planning, tax efficiency, philanthropy, cross-border tax & wealth planning and business succession to optimize every aspect of your financial life. By coordinating with legal and tax professionals, we deliver a seamless, holistic approach to wealth preservation and growth.

Customized investment policy

A one-size-fits-all investment solution does not work for sophisticated investors with complex financial needs. We develop a tailored investment framework that considers your risk tolerance, liquidity needs, and long-term objectives. By leveraging diversified asset classes and alternative investments, we build portfolios designed to enhance returns while managing downside risks.

Portfolio construction

Constructing a portfolio requires a balance of strategic asset allocation and tactical flexibility. We integrate equities, fixed income, commodities, and alternative investments to build a resilient portfolio designed to fulfil our clients’ financial goals. Our focus is on optimizing returns while mitigating risks, ensuring your wealth is positioned for both stability and growth.

Active oversight and risk management

Proactive risk management is crucial for safeguarding wealth in an ever-changing market. We continuously monitor portfolios, adjusting allocations to capitalize on opportunities and hedge against potential threats. With active oversight, we provide clients with confidence that their wealth is being managed with precision and foresight.

Institutions and Foundations

At The Pamela Yoon Group we help Institutions and Foundations meet their unique investment and Fiduciary requirements. We work closely with our clients building tailored Investment Policy Statements (IPS), advising on portfolio construction, asset class monitoring, benchmarking, risk management, and establishing governance best practices.

Our clients include family offices, foundations, charities, endowments, and Indigenous organizations.

Our approach to working with our clients include:

• In-depth Client Discovery and Planning

• Evaluation of Spending Policy and Donor Base

• We help you develop your Asset Allocation and your Investment Policy (IPS)

• Manager Research and Ongoing Review

• Portfolio Construction and Risk Management

• Reporting and Review

Simplicity – One relationship, many services

• Managing multiple relationships with consultants, investment managers, and administrators can be complex and time consuming. We streamline this process for our clients, acting as their central point of contact.

• RBC’s in-house consulting team, Global Manager Research, has offices globally, continuously identifying and researching the highest quality investment specialists to partner with.

• We provide customized reporting for clients, consolidating multi-manager reports and positions.

We significantly limit the use of pooled products in client portfolios, instead using Separately Managed Accounts (SMA). This is important because clients are the legal owners of the individual securities they own. They are not unit holders of a pooled product, which can be affected by the redemption decisions or influences of other investors in the pool and bring legal complications.

Efficiency – Customized solutions leveraging RBC’s global scale

• Diversification is central to minimizing investment risk, which is why we are advocates of using a multimanager approach for your investment solution.

• The best European Equity manager is not sitting in Toronto, the best US fixed income manager is not sitting in Vancouver. At RBC Dominion Securities, we partner with over 100 independent investment firms globally, giving clients access to global specialists.

• As the lead Advisor, we work with clients to construct a customized Investment Policy Statement tailored to its specific needs. Tailored portfolios are then constructed with guidance from the IPS.

• Given RBC’s scale and size across both Canada and the US, the fees paid to 3rd party managers are some of the lowest in the industry.

Objectivity – Fiduciary mentality

• We are not obligated, compensated, or expected to purchase RBC or PH&N investment solutions for clients. If we conclude RBC / PH&N have the best solution in a specific asset class or sector, we will advise clients to use their solution, but only if they are industry leading amongst their independent peer group.

• We continuously evaluate the managers chosen in client portfolios against customized benchmarks and their peers.

• Like our clients, we are fiduciaries, and our advice and investment solutions are completely free of any conflicts of interest.

Family Enterprise Advisor

Family businesses are built on legacy, but sustaining them across generations requires intentional planning, strong governance and open communication.
Family businesses are highly complex, demanding an exceptional fluency in the art & science of family enterprise advising.
Family businesses are not like any other businesses. The rewards are as big as the challenges are unique.

As an accredited Family Enterprise Advisor (FEA) with more than 30 years advising business families, Pamela Yoon is uniquely qualified to guide your family through your long-term generational wealth strategy.

Learn more about Family Enterprise Canada here