Premier Client Services program offerings

  • An initial consultation and thorough evaluation of every aspect of your financial picture, including your expectations, concerns, goals, priorities, and risk tolerance prior to any recommendations. We look at your investments held at and/or outside RBC Wealth Management.
  • Develop and implement a customized wealth plan with the help of a CERTIFIED FINANCIAL PLANNER® professional.
  • Outline of the investment strategies to meet your goals, including diversified asset allocation and portfolio recommendations with access to a full range of stocks, bonds, mutual funds, exchange-traded funds, Treasuries, CDs, alternative investments.
  • Competitive CD and money market rates.
  • Educational planning through 529 plans and custodial accounts.
  • Individual retirement planning, including annual traditional and/or ROTH IRA contributions, conversion to ROTH IRA opportunities, navigating rollovers from employer-sponsored retirement plans.
  • Management of your investments in a tax-considerate manner, including your IRA distributions and required mandatory distributions.
  • Employer-sponsored retirement plans, including SEP IRAs and SIMPLE IRAs, 401(k) plans and owner-only 401(k) plans.
  • Life insurance strategy, planning and review. We offer term, universal life, variable universal life and survivorship life insurance and whole life.
  • Annuity strategy, planning and review. We offer variable, fixed, index, single premium immediate and deferred income annuities.
  • Long-term care insurance planning.
  • Annual review of your financial positions in relation to your goals—topics covered may include account updates, asset allocation review, portfolio status, gains review and changes in your life that could affect the wealth management plan.
  • Monthly newsletter with market updates delivered via email.
  • Periodic and proactive contact from our team when applicable to discuss investment strategy, asset transfers, reallocating, and other needs as they occur.
  • Complimentary notary services (by appointment only).
  • RBC Total Wealth allows you to add any outside accounts to your RBC Wealth Management Online portal so you can view all your accounts in one place.
  • RBC Wealth Management mobile app (must be signed up for online access).
  • Team website that RBC has research, market updates and current events updated regularly.
  • Securities-based lending or collateralized lending.
  • RBC Wealth Management Online portal
    • Access account documents (paperless option available after signing up).
    • Secure online communication, which allows us to share and receive sensitive documents.
    • Works with TurboTax
    • Download transactions, balances, and positions into Quicken®
    • Exclusive research from our analysts
    • Stock watch lists, up-to-date market updates, alerts, calculators and more.
  • Periodic invitations to exclusive client events*
  • Charitable giving strategies to share your wealth with the causes that are important to you and is tax considerate.*
  • Referrals to trusted professionals within our network*
  • Upon client approval, ongoing consultation with client’s tax advisor and/or attorney to help ensure alignment in strategies related to taxation, trust/estate planning services, foundations and more*
  • Offer delivery of tax documents directly to your tax advisor*
  • Considerations for potential tax-loss harvesting*
  • Annual update to Personal Financial Navigator*
  • Offer semiannual review with our team for your financial positions in relation to your goals—topics covered may include account updates, asset allocation review, portfolio status, gains review and changes in your life that could affect the wealth management plan*
  • Meeting with extended family to provide education on investment and wealth preservation topics*
  • Access to RBC Wealth Management specialists for complex wealth management, insurance, business, trust, and estate planning services*
  • Complimentary copy of Lifestyle magazine*
  • Complimentary birthday recognition*
*Services provided if the total portfolio value for the household exceeds $1 million at the end of the calendar year. Qualification is reviewed annually.

 

Advisory Assets

Advice Fee**

Up to $99,999

1.50%

$100,000–$249,999 

1.50%

$250,000–$499,999 

1.50%

$500,000–$999,999 

1.25%

$1,000,000–$2,999,999 

1.00%

$3,000,000–$4,999,999 

0.95%

$5,000,000–$9,999,999 

0.85%

$10,000,000–$24,999,999 

0.75%

$25,000,000 and above 

0.65%

Advice fee**

To help make it easy to understand your investment and service expenses:

  • Trade execution costs included.
  • Standard account, IRA and Cash Management Account charges waived.
  • Custody and safekeeping of securities costs included.
  • Ongoing wealth management strategies, education, review, and account management services provided as part of comprehensive charge.