Our investment process
Investing should be personal and purposeful. Your portfolio should reflect your goals, risk tolerance, time horizon, liquidity needs, and overall financial circumstances. Our process brings those factors together in a disciplined, customized investment strategy designed to support clear and consistent decision-making over time.
Our investment approach
No single institution or investment philosophy has a monopoly on good ideas. Our approach is designed to consider a broad range of investment opportunities and identify those that are appropriate for each client's circumstances. We evaluate available investment strategies, managers, and vehicles using relevant considerations such as consistency, transparency, cost, risk, and alignment with your goals and broader wealth plan. Recommendations are based on suitability and the role each investment is intended to play within the portfolio. The objective is a thoughtfully constructed portfolio that combines disciplined portfolio design with careful investment selection. This provides a practical framework for balancing growth, income, liquidity, and risk-management priorities as markets and personal circumstances change.
A portfolio built around you
Every portfolio begins with an understanding of what you are trying to accomplish. We consider your goals, account size, time horizon, income requirements, tax circumstances, liquidity needs, and tolerance for market fluctuations. Each investment should serve a defined purpose within the strategy, whether that purpose is growth, income, capital preservation, diversification, or a combination of these priorities.
A disciplined process
We use RBC research and analysis as part of a structured review process. Depending on your circumstances, the portfolio may include a combination of active and passive investments, individual securities, and alternative investments where appropriate and available. The tools we may use include:
- Low-cost index investments: These can provide broad market exposure and an efficient foundation for a portfolio.
- Actively managed investments: These may be used where professional security selection or a differentiated investment approach is considered appropriate.
- Individual stocks and bonds: Where suitable and practical, individual securities can provide additional customization and control.
- Alternative investments: Where suitable, eligible, and available, these may be considered to broaden diversification or address a specific portfolio objective.
Strategic considerations
The portfolio is evaluated through several connected considerations:
- Asset allocation: The mix of investments is aligned with your objectives, stage of life, income needs, time horizon, and tolerance for volatility.
- Liquidity planning: Assets expected to be needed in the nearer term are considered separately from capital intended for longer-term objectives.
- Tax considerations: Where relevant, the structure and management of the portfolio take your tax circumstances into account. Tax advice should be obtained from a qualified tax professional.
- Behavioral discipline: A documented strategy can help keep decisions focused on your goals and process rather than short-term market noise.
An ongoing relationship
Investment management is an ongoing process. We review your portfolio in the context of your broader wealth plan and discuss whether your strategy continues to reflect your goals and circumstances. When your needs change, we consider whether adjustments are appropriate so the portfolio remains connected to the life and financial outcomes it is intended to support. In short, our investment approach is about independence, innovation, and diversification – an approach that can adapt to changing markets without being confined by them.
