How we serve you

The Joel Group at RBC Wealth Management develops personalized strategies and solutions to address the needs of our clients. We guide multiple generations of families in managing the business of life. Through a personal approach, we help you and your family accomplish your goals.

Proud to be a national award-winning advisor

At The Joel Group, we are incredibly proud that Ben Joel is a recipient of the 2019, 2021, 2022 and 2023 Forbes Best-In-State Wealth Advisor as well as an Advisor Hub - Advisor to Watch in 2022. 

Advice you can trust

Distinguished by a long heritage of financial integrity and unwavering dedication to our clients, RBC has consistently earned high credit ratings.1

  • Moody's Aa1 and A1 / stable4
  • Standard & Poor's AA- and A / stable4
  • Fitch Ratings AA2 and AA-3 / stable4

Additionally, RBC has a reputation of strength and stability with a high-quality balance sheet, proactive risk management and a strong liquidity position.

Global Insight Monthly

Global Insight Cover Image - Feb 2024The death of (traditional value)

Read the Global Insight Monthly »

Bulletin board

The millennial mindset

Rewriting retirement Cover imageWhen it comes to finances, millennials tend to prioritize planning for long-term wealth, making a difference in the world and retiring early, according to a recent RBC Wealth Management survey. Read the survey report to learn more about the millennial mindset. 

Will Social Security be there for you?

Like most people, you probably have a lot of questions about the role Social Security will play in your retirement. The answers to these questions depend largely on your earning history and when you plan to start taking benefits. Understanding the concepts behind Social Security can help you make well-informed decisions that will optimize the amount and timing of your benefits and the impact on your overall retirement plan. For more information, review the Social security fundamentals white paper or contact us to discuss your retirement plan.

Advice you can trust

Distinguished by a long heritage of financial integrity and unwavering dedication to our clients, RBC has consistently earned high credit ratings.1

  • Moody's Aa1 and A1 / stable4
  • Standard & Poor's AA- and A / stable4
  • Fitch Ratings AA2 and AA-3 / stable4

Additionally, RBC has a reputation of strength and stability with a high-quality balance sheet, proactive risk management and a strong liquidity position.

Let's start the conversation

If you want to discuss your portfolio or have financial questions, please fill out the below form.

To protect your privacy, we ask that you not send any confidential information, such as bank account numbers, credit card information or account details, through this contact us form.

*Required fields

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.

image of Ben Joel

Ben Joel

Managing Director - Financial Advisor, Senior Portfolio Manager - Portfolio Focus

Linda Murray

Investment Associate

February Tip of the Month 2024

The gift tax exclusion for 2024 is $18,000.

This means you can give up to $18,000 to as many different people as you want.

If they are married, then you may give the couple $36,000.

If you are married, you and your spouse can both give a couple $36,000 per year, totaling $72,000.

Source: IRS.gov

January Tip of the Month 2024

Happy New Year!

Contribution limits for 2024 are:

IRA’s and Roth’s $7,000

Over 50  $8,000

401k  $23,000

Over 50  $30,500

Social Security Increase 3.2%

Source: IRS.gov

December Tip of the Month 2023

December is historically a month for the market resulting in positive returns 78% of the time dating back to 1987. 

graph showing returns


Source:   Dorsey Wright, S&P 500 Volatility Study, 10/09/2023.

November Tip of the Month 2023

Fraud.

Scammers will contact you pretending to be a government official, bank security officer, or a member of the police. Lots of times they will give you a number to call back to verify who the scammer is pretending to be-but it is actually a call straight back to the scammer! Here are ways to spot a scam:

Are you being pressured to act immediately?

Did they ask for your personal information-social security number, bank account number, birthdate, pin number? They may have some of this info when they call you. This makes the fraudster sound more legitimate, and makes it more likely for you to trust them.

Are they asking for unusual methods of payment-wire payments, online payment apps, gift cards?

They may not ask for your critical information until the second/third call after they have built up trust. They sound honest and sound like they want to help you.

Call us immediately if this happens to you. The scammer may even tell you NOT to tell us because they are working on an undercover operation! (true story).

Source: American Express. Help Us Protect You. Dated 10/7/2023.

October Tip of the Month 2023

October begins charity donation season. Remember, securities can be better than cash donations.

If you are 70 1/2 years or older, you can make an IRA charitable donation. You can donate long term appreciated stocks at any age.

Source: IRS.gov

September Tip of the Month 2023

Considering a financial gift to children or grandchildren?

A gift of a Roth IRA to a working young adult can compound for 30-40 years.

Maximum contribution is $6,500 per year.

source: irs.gov

August Tip of the Month 2023

2023 has been a very narrow market. Market leadership continues to be concentrated in a few large stocks.

S&P 500 Big 7 stocks are up an average of 98%.

The other 493 stocks of the S&P 500 are up an average of 6.7%.

RBC Wealth Management. U.S. Equities Taking Stock. Data as of 7/14/23.

July Tip of the Month 2023

54% of Americans do not have a will, according to a recent poll. 25% of Americans with a net worth of $1 million do not have a will.

Without a will, your assets are divided according to state law, which varies wildly from one state to another.

Make sure your will is up to date, otherwise, your Governor will decide!

Source: Wall Street Journal, Dying Without a Will, 5/3/2023.

June Tip of the Month 2023 - Graduation Edition

Here are the 2023 list of best entry level jobs according to WalletHub.

Metrics include starting salary, growth potential, and future tenure.

  1. Engineer
  2. Environmental, Health, and Safety Engineer
  3. Safety Technician
  4. Landscape Architect
  5. Hardware Engineer
  6. Certified Nursing Assistant
  7. Operations Research Analyst
  8. Electronics Engineer
  9. Web App Developer
  10. Software Engineer

Congrats to the Class of 2023!!

Source: WalletHub, 2023 Best & Worst Entry Level Jobs, 5/9/2023.

May Tip of the Month 2023

Since 1976, the S&P has had a best year of 37%, a worst year of 37% and an average return of 12.7% over those 46 years.

Source: AMG Funds. Best, Worst and Average Investment Returns Since 1976, dated 04/13/2023.

April Tip of the Month 2023

Did you know there are over 24 million lost retirement accounts left behind at former employers? This includes 401k’s and pensions.

To check if you or a family member have left behind funds, visit this website

Source: Equitable, Uncovering Lost Retirement Accounts, dated 03/01/2023.

March Financial Tip of the Month 2023

The age at which required minimum distributions must be taken has increased from age 72 to age 73 effective this year.

Source: RBC Wealth Management, SECURE 2.0 Act of 2022, January 2023.

February Tip of the Month 2023

Here are ways to improve your credit score:

  1. Pay on time.
  2. Don’t borrow your full credit limit.
  3. Length of time with your current creditors helps.
  4. Keep new credit accounts to a minimum.

Age, income and employment do not affect your credit score.

Source: Hartford Funds, Things You Should Know About Credit Scores, 03/01/2021.

January Tip of the Month 2023

Happy New Year from The Joel Group!

Contribution limits for 2023 are listed below:

IRA’s and Roth’s $6,500

IRA’s and Roth’s over 50  $7,500

401k’s $22,500

401K’s over 50  $30,000

Standard Deduction single $13,850

Standard Deduction married $27,700

Gifts to individuals $17,000

Source: Putnam Investments 2023 Tax Rates, Dated 11/1/2022