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What is Financial Planning?
At RBC, we look at what’s important to you first; then what you have and what you owe, to design your financial plan.
Life Events
Prepare for the big (and little) things in life.
Live for Today and Plan for Tomorrow
Balancing Financial Priorities
Have a plan that balances your competing priorities.
Investment Planning
Keep your investment plan on track.
Retirement Planning
Make a plan for your time and money.
Estate Planning
Define your legacy and make your wishes clear.
Could You Be Paying Less Taxes As a Family?
Download our Income Splitting Checklist for strategies you may wish to consider in order to reduce your family’s overall income tax bill.
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Download ChecklistIf you change your mind later, you can always contact us toll-free at 1-833-722-7526.
Financial Planner Locator
Based on your location, is a Financial Planner near you.
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People Like Me
Hear from others about their experiences.
Randy Changed His Lifestyle at 50
Tia Discovered What Matters in Retirement
Libby Saved, Invested and Retired in Style
RBC Financial Planning is a business name used by Royal Mutual Funds Inc. (RMFI). Financial planning services and investment advice are provided by RMFI. RMFI, RBC Global Asset Management Inc., Royal Bank of Canada, Royal Trust Corporation of Canada and The Royal Trust Company are separate corporate entities which are affiliated. RMFI is licensed as a financial services firm in the province of Quebec.
What's on your mind today?
Saving and planning for Retirement
Your retirement can last 30 years or longer. An RBC Financial Planner can help you design a plan that will be relevant and sustainable for the Next 30™ years of your life.
Saving and planning for Retirement
Retirement can last 30 years or more. Think about how, where and who you want to spend this time with— before you look at the numbers.
Saving and planning for Retirement
Studies show that Canadians working with advisors have more retirement savings than those saving without the advice of an advisor.1
Recommended Topics:
How to Save More for Retirement? Should I Pay Down My Mortgage or Invest Does an RRSP Loan Make Sense? Save for Retirement or the Kids Education?1)
Source: Ipsos Reid, Value of Financial Advice, prepared for the Investment Funds Institute of Canada (IFIC), October 4, 2011
Saving and planning for Retirement
Early retirement can bring many questions that aren’t always easy to answer. For example, when is the best time to take CPP/QPP? An RBC Financial Planner can help fill in the blanks.
Recommended Topics:
Should I Retire Early? Managing My Cash Flow in Early Retirement How Will I Fill My Time in Retirement?Tools & Calculators:
Calculate Your Cash Flow in RetirementSaving and planning for Retirement
You know that being retired doesn’t mean that retirement planning stops. You still have big decisions to make— such as, should you downsize your home. An RBC Financial Planner can help.
My Retirement Paycheque
These days retirement can last 30 years or more. A well-designed financial plan can help make sure your money lasts for your Next 30™ years. Let us show you how.
My Retirement Paycheque
These days retirement can last 30 years or more. A well-designed financial plan can help make sure your money lasts throughout your retirement. Let us show you how.
Recommended Topics:
What Financial Steps Do I Take at 71? Do I Have Enough to Retire Now? Taking Income from My RRSPTools & Calculators:
Know Your Monthly Minimum RRIF Withdrawal Calculate Your Cash Flow in RetirementMy Retirement Paycheque
Although you are over 71 and can no longer save in an RRSP, you can continue to save with a Tax-Free Savings Account and non-registered investments.
Recommended Topics:
Getting More from My RRSP and TFSA Taking Income from My RRSP Should I Change My Investment Plan? Is Income Splitting Right for Us?Tools & Calculators:
Know Your Monthly Minimum RRIF WithdrawalMy Investment Portfolio
Investors working with advisors are more likely to invest regularly, save enough for their needs, diversify, and have a financial plan.2 Discover how an RBC Financial Planner can help you.
Recommended Topics:
How Can I Be a Smart Investor? Getting More from My RRSP and TFSA Reaching My Investing Goals Faster Is Income-Splitting Right for Us?2)
Source: CIRANO Institute in Montreal
My Investment Portfolio
Whether the market is up or down, focusing on your long-term investing goals and having a diversified portfolio will help you avoid emotional investing.
My Investment Portfolio
Research shows that investors working with advisors are more likely to invest regularly, save enough for their needs, diversify, and have a financial plan.2
Recommended Topics:
Should I Pay Down My Mortgage or Invest? Save for Retirement or the Kids’ Education? Making the Most of a Bonus or Tax Refund Receiving an Inheritance or Lottery Winnings2)
Source: CIRANO Institute in Montreal
My Marriage and Finances
Now is the time to ensure you and your spouse are on the same page regarding finances as you’re also tying the financial knot. An RBC Financial Planner can help.
My Marriage, Family and Finances
One of the best ways you can protect your family financially is to make sure you have an estate plan and a valid will in place. An RBC Financial Planner can help you get started.
My Marriage, Family and Finances
People who have an advisor are more likely to invest regularly, save enough for their needs, diversify, and have a financial plan.2 Discover how an RBC Financial Planner can help you and your spouse.
Recommended Topics:
Reaching My Investing Goals Faster Should I Pay Down My Mortgage or Invest? Making the Most of a Bonus or Tax Refund Talking Finances with My Spouse Is Income Splitting Right for Us?2)
Source: CIRANO Institute in Montreal
My Marriage, Family and Finances
Going through a divorce or losing a spouse can be a challenging time. In addition to seeking professional advice, there are few things you can do to give yourself some peace of mind.
Helping My Kids with Post-Secondary Education
Getting a head start on saving for your new baby’s education is a huge gift to your child. Take the time now to make sure your financial plan is in place.
Helping My Kids with Post-Secondary Education
With children to put through school, mortgage payments and saving for retirement, you may have a lot of competing financial priorities. See how an RBC Financial Planner can help.
Helping My Kids with Post-Secondary Education
You may be wrestling with helping your grown kids with their education and saving more for your retirement. An RBC Financial Planner can help you figure it all out.
Passing on My Wealth and/or Business
Estate planning is one of the most complex—and overlooked—topics in financial planning. You’ve completed an important first step by having a valid Will in place.
Passing on My Wealth and/or Business
Estate planning is one of the most complex—and overlooked—topics in financial planning. Getting your Will created is one of the first things you will want to take care of.
Passing on My Wealth and/or Business
Estate planning is one of the most complex—and overlooked—topics in financial planning. Whether it’s deciding what to do with your business or the cottage, it’s important to have a plan in place.