Video: An introduction to wealth planning

Wealth planning

Wealth planning can help you and your family define and realise your personal and financial ambitions.


Wealth planning starts with a conversation.

By understanding you and your circumstances, our wealth planners help you define and realise your personal and financial goals.

Beginning your financial planning journey

By discovering your personal objectives in the areas most important to your financial wellbeing – such as your family, property, lifestyle and career – we help you build a personalised financial plan so you can make the right decisions to meet your needs today, without compromising your goals of tomorrow.

Modelling your financial plan

At RBC, we use innovative cash flow modelling to bring your financial plan to life and help you answer the big questions, like:

  • When can I afford to retire?
  • How much really is enough?
  • How and when should I make gifts?
  • And how do I secure wealth for loved ones if I’m no longer around?

We can help quantify the answer to these questions to ensure you have the insight to make smart, informed decisions.

Working with your wealth planner

Your wealth planner will help you structure your assets so you can:

  • Preserve and grow your wealth
  • Access income and capital when you need it
  • Pass on your wealth to those who matter most, simply and efficiently

Offering restricted independent advice, our team of wealth planners put you and your family at the centre of everything they do, helping you to navigate important financial decisions with expert guidance and a deep understanding of your values and priorities.

We can provide guidance on tax efficient investment structuring, protecting loved ones from the impacts of your death or illness, and retirement, succession and estate planning.

Our wealth planners don’t work alone. Better outcomes are achieved when you have access to a wealth planner and investment professional working in tandem. That’s why our advice that clients benefit from, integrates financial planning and investment management on an ongoing basis – offerings that are also available as standalone services.

Plan for your success

So, whether you’re still growing your wealth, planning for your retirement or looking to pass on your wealth to the next generation, a conversation with one of our wealth planners can help you achieve your personal and financial ambitions.

After all, what’s wealth without purpose?

This publication has been issued by Royal Bank of Canada on behalf of certain RBC ® companies that form part of the international network of RBC Wealth Management. You should carefully read any risk warnings or regulatory disclosures in this publication or in any other literature accompanying this publication or transmitted to you by Royal Bank of Canada, its affiliates or subsidiaries.

The information contained in this report has been compiled by Royal Bank of Canada and/or its affiliates from sources believed to be reliable, but no representation or warranty, express or implied is made to its accuracy, completeness or correctness. All opinions and estimates contained in this report are judgments as of the date of this report, are subject to change without notice and are provided in good faith but without legal responsibility. This report is not an offer to sell or a solicitation of an offer to buy any securities. Past performance is not a guide to future performance, future returns are not guaranteed, and a loss of original capital may occur. Every province in Canada, state in the U.S. and most countries throughout the world have their own laws regulating the types of securities and other investment products which may be offered to their residents, as well as the process for doing so. As a result, any securities discussed in this report may not be eligible for sale in some jurisdictions. This report is not, and under no circumstances should be construed as, a solicitation to act as a securities broker or dealer in any jurisdiction by any person or company that is not legally permitted to carry on the business of a securities broker or dealer in that jurisdiction. Nothing in this report constitutes legal, accounting or tax advice or individually tailored investment advice.

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