Sterling Land Wealth Advisory Group of RBC Dominion Securities
Your life goals are our life’s work
Surrounding our clients with excellence in wealth management
Our process is what puts us head and shoulders above the rest. We take a personal and engaging approach to addressing our clients’ financial and life needs. Through a series of meetings, we gain a complete and detailed understanding of a client’s current situation and future goals and needs. From there, we tailor strategies specific to them. Each individual plan starts with an Investment Policy Statement, which sets the course for a comprehensive wealth management solution. It spells out your risk tolerance, ideal portfolio make-up and investment strategies we will take to achieve your goals. We apply a disciplined approach that helps our clients stay focused on the management of financial decisions that shape their future. We believe a formalized plan eliminates not only the guesswork, but the emotion as well. No second-guessing. By taking a consultative approach rather than a transaction-oriented one, we remove conflicts of interest as well. We believe in being transparent.
RBC Dominion Securities, Canada's leading full-service investment dealer, has been providing investment advice since 1901; as an integral part of the Royal Bank Financial Group, we have access to virtually unlimited resources within the group. In addition, we have developed relationships with other outside professionals such as accountants and estate planning lawyers.
Please Contact us today at 1 (866) 335-3398 for a comprehensive portfolio evaluation.
Professionals at your service
Leaning on experience and industry accreditations, our team of experts helps bring financial peace of mind to clients like you.
As our client, you will receive timely service and professional advice through our team approach. Our team members focus on different areas of client service, so you get the expert assistance you need when you need it.
Who we help
Sterling Land Wealth Advisory Group investment strategies are designed to free up time for individuals, families, businesses and other organizations from the burden of daily management.
Retirees
- Retirees requiring innovative strategies to maximize their after-tax retirement income, while protecting their financial security
- Those requiring guidance to make the most of your Registered Plans and retirement savings
- Retirees looking to coordinate your retirement income sources
Business Owners
- Successful and busy executives looking to enhance the growth of their wealth
- Management of assets for business owners who wish to focus on their business
- Organizations requiring professional guidance to manage investment assets according to specific guidelines
Individuals & Families
- Well-established families seeking professional guidance transferring wealth to the next generation in a tax-efficient manner
- Pre-retirees who want to make the most of retirement savings as they approach retirement
- Philanthropists looking for creative ways to enhance their legacy to a chosen charity
Professionals
- Busy professionals requiring assistance managing their personal assets
- Professional lawyers and accountants looking for a trusted partner to better serve their clients’ diverse needs
How we help
Creating Your Personal Portfolio – We Use a five-step Process to Achieve Your Investment Goals
1) Create your investment policy
Your Investment Policy Statement, created individually for you, takes into account your return expectations, income requirements, risk tolerance, time horizon and unique preferences. It also addresses your tax situation, in order to help us make investment decisions that minimize the impact of taxes. Based on all these factors, we can recommend an ideal asset-allocation model for your portfolio. How your portfolio is divided among the three main asset classes, cash, fixed income and equities-is the most important factor in determining the balance between managing risk and providing higher returns. In addition, your portfolio may be diversified along geographical lines to take advantage of global opportunities.
2) Build Your Portfolio
Based on your ideal asset-allocation model, we select an appropriate combination of investments for your portfolio. Every type of investment is available to help meet your needs. In selecting your investments we combine an understanding of the “big picture”- overall global economic and market trends-with fundamental research of individual investment opportunities. Senior economists, portfolio strategists and research analysts from various parts of the RBC Financial Group augment our team’s decisions in building your portfolio.
3) Manage Your Portfolio
Market and economic conditions change. Your personal situation and goals will also change. As a result, it is essential to make appropriate adjustments to your portfolio from time to time.
4) Adjusting Your Investment Strategy
Reviewing your portfolio at least annually, and in some cases, semi-annually or quarterly, is important, specifically when it comes to making sure your asset mix is in line with your investment objectives. Obtaining an update on your personal and financial situation is important as your goals are likely to change over time and should be reflected in changes to your portfolio's composition. We will also identify opportunities to build and protect your wealth as your needs evolve through value-added financial, estate and insurance planning services.
5) Keeping you informed of your progress
We monitor your progress on a regular basis, the last step of the process. You also will receive a monthly account statement that details the activity in your portfolio and provides the current value of all your positions. In addition, you have access to your accounts and timely market information through our online services.
Giving Back
At the Sterling Land Wealth Advisory Group we believe it is important to give back to our community. However you may choose to support your favourite charities, whether through regular donations, by setting up a private trust or giving back as part of your legacy, contact us. We can help you ensure that giving back to your community is possible at any stage of your life. The Sterling Land Wealth Advisory Group actively supports many charities, not-for-profit organizations and community partners.
The following is a shortlist of charities and events we have supported so far this year:
- SAFE Society
- CMHA Shuswap/Revelstoke
- Shuswap Children's Association
- Salmon Arm Arts Centre
- Salmon Arm Chamber of Commerce
- Revelstoke Chamber of Commerce
- Kamloops Symphony
- Caravan Farm Theatre
- SPCA Shuswap
- Shuswap Hospital Foundation
- R.J. Haney Heritage Village & Museum
- Voice of the Shuswap Community Radio
- Shuswap Theatre
- Salvation Army & Second Harvest Food Banks
A+ Unified Managed Account
A+ Portfolios
A+ is an innovative investment platform that gives you convenient access to a professionally managed, fully customized investment portfolio. A+ provides access to some of the world’s leading investment managers, backed by RBC’s proven investment discipline.
With most investment programs, you are fit to the program. However with A+, the program is fit to you. Your A+ portfolio is individually crafted based on your unique needs for capital growth, investment income and asset preservation. Then, your A+ portfolio is professionally managed for you within strict parameters, freeing you to focus on your other important priorities with confidence.
Your customized A+ portfolio provides:
- The expertise of leading independent asset management firms, carefully assessed through in-depth research, and brought together in a coordinated, customized portfolio
- The latest portfolio management technology that brings together multiple asset managers into a single, unified portfolio with consolidated reporting and synchronized asset allocation
- A proven investment discipline that ensures your portfolio is set, monitored and rebalanced according to your specific investment guidelines
- A modern approach that can help you achieve your financial goals, without compromising on your personal values
Overcoming challenges, capitalizing on opportunities
Starting, growing, and selling a business comes with challenges and opportunities that – with the right support – can be overcome and capitalized on. We help you do just that by working closely with our world-class RBC partners, providing expert advice in a range of key areas to help protect what you’ve worked so hard to build.
Asset management
We’ll help you protect your business and personal assets as tax-efficiently as possible, proactively addressing your needs and seeking avenues for future growth.
Tax planning
We’ll help you make the most of your hard-earned wealth by recommending potential tax strategies that are aligned with your business goals and objectives.
Business growth
We’ll work with our partners at RBC Business Financial Services to help you leverage credit to promote growth and improve cash flow for your business.
Workforce support
We’ll make taking care of your employees easier by helping you develop employer-sponsored group retirement saving plans and group benefits packages from RBC Insurance.
Succession planning
Whether you plan on selling your business, transferring it to a family member, or setting up a buyout, we’ll provide you with comprehensive strategies to make it as smooth as possible.
Retirement planning
Exiting your business is the start of a new and exciting chapter, and we’ll ensure you have a robust plan in place to help you make the most of it.
Grow more than wealth.
With a collaborative, values-based approach and a track record of responsibly building wealth with integrity, you can expect RBC Wealth Management to help you realize your life vision.
RBC Wealth Management Services: Our approach
Plan for tomorrow – today
Planning for a long and healthy retirement involves far more than just considering your finances – it also includes taking a close look at your mental health, physical wellness, future caregiving needs, and more. In coordination with experts across RBC, we offer programs and solutions that can help you navigate these decisions and plan for the years ahead.
Your health
We’ll connect you to our strategic partners and empower you to make positive changes in your life as you enter retirement.
Your support needs
We’ll facilitate discussions that help you make informed decisions on your future eldercare and living needs.
Your finances
We’ll create investment strategies and wealth management plans that align with your unique financial goals and priorities
Your legacy
We’ll coordinate with specialists across RBC to help you build a tax-smart, all-encompassing Will and estate plan.
Insights
Read the latest on markets and more from our team as well as experts and thought leaders at RBC.