Retirement services for private clients

One of the most difficult decisions we make as investors is determining when to sell our businesses or wrap up our careers and start enjoying the retirement years of our lives. Because there are so many factors we need to consider. How much will we need? How long will we need to make our money last? As your advisors, we can help you prepare for retirement with confidence. We also offer a full menu of retirement investment and planning services to help individuals create wealth and then convert it into a reliable income stream during their retirement years.

Retirement services for businesses

We offer a variety of defined benefit and defined contribution solutions that can help business owners and employees save and invest for retirement. If you are a business owner, we can help you choose a plan that is appropriate for your business needs and your employees’ retirement savings goals. We can also help you fulfill your fiduciary responsibilities as a plan sponsor.

Financial planning

To provide the most accurate, timely investment advice, we strive to have a deep understanding of your current situation, future goals, how you feel about risk and family dynamics. We have access to several proprietary tools to help us discover and prioritize your financial objectives. Indeed, we recommend making regular use of the tools available to identify strategies for accumulating, protecting, enjoying and sharing your wealth.

  • Personal Needs Analysis — to help define your current and future financial needs.
  • RBC Financial Planning — to help us plan for various aspects of your financial future.
  • RBC Retirement Funding Sensitivity™ — to help us understand what variables may affect your retirement, so we can minimize risks and maximize opportunities.
  • Your Future By Design — to help us discover what is truly important to you, so we can help you realize your dreams.

Asset allocation

Nobel prize winning research indicates that more than 90% of a portfolio’s performance can be attributed to asset allocation — or how much of your portfolio you set aside for fixed income, value equities, growth equities and other asset classes.

Unfortunately, there is no single asset allocation model to fit every investor. And as your life changes, your ideal asset allocation will change, too. Which makes your asset allocation choices very personal.

Determining an allocation strategy that is appropriate for you depends on your financial objectives, attitudes toward risk and investing, desired return, age, income and tax bracket, time horizon, and even your belief in what the market will do in the near-term and long-term.

Whether you’re investing for retirement, a child’s college education, or for other goals, we can help you make well informed asset allocation decisions.

Municipal securities

We have access to a wide selection of primary and secondary market tax exempt municipal securities. These bonds can be effective investment solutions for people and families in higher tax brackets, because of their potential tax exempt status. Retirees also frequently invest in them because the interest payments create income and the comparatively lower level of risk helps preserve the principal. We have a deep understanding of the municipal securities market and can help you incorporate these bonds into a well diversified portfolio.

Alternative investments

Depending on your portfolio diversification needs, we can offer a variety of private equity funds, managed futures, hedge funds and 1031 real estate exchange programs designed to help you gain exposure to certain investment opportunities, reduce risk or gain liquidity. We can help you choose alternative investments that are suitable for your needs.

Lending solutions

As wealth managers, we put a lot of energy and focus into the asset side of your balance sheet. But we believe it is also our responsibility to help you manage your liabilities, as well. From time to time, you may want to borrow money. There are lots of good reasons. For business or investment opportunities. To pay college expenses. As a short-term bridge loan. For home improvements or a real estate purchase.

When you think you need to liquidate assets to fund these and other expenses, ask about whether you qualify for a line of credit or a margin loan instead. In addition to providing access to cash that is often faster and easier to qualify for than traditional bank loans, our lending solutions allow your assets to continue working toward your long term goals.

Purchasing securities on margin may not be suitable for all investors. If the securities in your account decline in value, so does the value of the collateral supporting your loan, and, as a result, the firm can take action, such as to issue a margin call and/or sell securities or other assets in any of your accounts held with the member, in order to maintain the required equity in the account. Before you sign a Margin Agreement, it is important that you read and fully understand the Margin Disclosure Statement, which describes additional risks involved in trading securities on margin.