Premier client services

  • Initial consultation and thorough evaluation of every aspect of a client’s financial picture, goals, and risk tolerance prior to any recommendations being made. Will look at investments held at RBC and outside RBC.

  • A diversified investment and asset allocation plan based upon client’s risk tolerance, goals and current portfolio.

  • A comprehensive plan based not on products, but long-term goals.

  • In-person meetings to review client’s financial position in relation to goals — topics covered may include account updates, asset allocation review, portfolio status, retirement sensitivity analysis, capital gains review and changes in client’s life that could affect the wealth management plan.

  • Management of client’s investments in a tax efficient manner, including any IRA distributions and required mandatory distributions.

  • Regular communication from one of our team members to update financial and personal situation and to ensure all needs are being met.

  • Periodic and proactive contact from our team when applicable to discuss repositioning portfolio, asset transfers, and other needs as they occur.

  • Periodic invitations to exclusive client events.

  • Annual beneficiary review and update.

  • Meeting with extended family to provide education on investment and wealth preservation topics.

  • Upon approval from client, ongoing consultation with client’s tax advisor and attorney to ensure the proper tax-reduction, trust/estate planning and foundation strategies are being utilized.

  • A thorough evaluation of existing estate documents, such as wills and trusts, along with a summary and discussion of what they accomplish within client’s wealth plan.

  • Referrals to other trusted professionals within our network, as requested or required.

  • Offer delivery of tax documents directly to client’s tax advisor.

  • Annual preparation of a detailed net worth statement, including investments, real estate, business interests, and any other important assets.

  • Creation and execution of a written cash flow and budgeting plan to support income needs both before and during retirement.

  • Access to RBC Wealth Management specialists for complex estate planning, wealth management, insurance, and trust services.

  • Ongoing review of insurance coverage, to include life, long-term care, survivor protection and estate preservation.

  • Life insurance and annuity review for each client as life changes occur, and/or, upon request.

  • Occasional communications on specific interests (i.e. mutual funds, separately managed accounts, regulatory environment, Social Security reform, etc.).

  • Access to research and market reports.

  • Access to articles of interest on our customized website, and secure access to personal financial data.

  • Access to online account information through Online Access along with a tutorial for enrollment.