A comprehensive approach to wealth planning

We help you visualize your complete financial life

Investment Planning

Investment planning

  • Review of portfolio
  • Asset allocation
  • Time horizon planning
  • Withdrawal strategies
  • Account aggregation
  • Review of outside accounts such as 401(k), etc.
  • Risk analysis
  • Stock concentration

Estate Planning Services

Estate planning services

  • Wills
  • Power of attorney
  • Living will
  • Healthcare proxy
  • Trusts
  • Irrevocable life insurance trusts
  • Guardians for minor children

Retirement Planning

Retirement planning

  • Retirement goal setting
  • Social security review
  • Cash flow analysis
  • IRA contributions and Roth conversions
  • Review of employer sponsored plans
  • Annuities and pensions
  • RMDs and withdrawal strategies
  • Self employed plans

Insurance Planning

Insurance planning

  • Review of existing policies
  • Life insurance needs analysis
  • Long term care insurance analysis
  • Disability insurance analysis
  • Health insurance review
  • Homeowner's or renters insurance review
  • Liability coverage
  • Health Savings Accounts

Cash Flow and Budget Planning

Cash flow and budget planning

  • Review of income sources
  • Setting goals
  • Expenses and budgeting
  • Debt management
  • Review of one-time expenses
  • Planning large expenses
  • Emergency funding
  • Dollar cost averaging
  • Mortgage review

Legacy Planning

Legacy planning

  • Gifting
  • College planning
  • Caring for elderly
  • 529 college savings plans
  • Roth IRAs for children
  • UGMA/UTMA
  • Establishing trusts
  • Successor trustee

Tax Considerations

Tax considerations

  • Tax sensitive investing
  • Review of cost-basis
  • Review realized gains
  • Carry forward losses
  • Tax loss harvesting
  • Potential Roth conversions
  • Health savings and flexible spending accounts

Let's take the next step together

We welcome you to experience the RBC Wealth Management difference yourself. Contact us today to set up a meeting.