Experience an integrated approach
to growing your wealth
WHAT WE DO
Rather than focusing on individual areas of wealth management, our team provides an integrated approach to the long-term growth of your investments. All the elements of your financial universe… working in concert.
R N Croft Financial Group Inc. is a Licensed Discretionary Portfolio Management and Investment Fund Management firm serving investors and investment professionals across Canada since 1993.
Our Real Wealth Management™ approach — guided by RWM™-designated professionals — integrates investment, tax, estate, and insurance expertise to optimize financial outcomes.
Together with our wholly owned subsidiaries, The Accounting Place and Castlemark Wealth Management we provide our advisor partners with added bench strength to address the complex and diverse needs of their clients.
This fully integrated approach can positively impact savings behaviour, wealth accumulation and retirement readiness.
our process
2.3X
MORE FINANCIAL ASSETS
SOURCE: More on the Value of Financial Advisors, Claude Montmarquette, Alexandre Prud’Homme, CIRANO 2020.
step 5
IMPLEMENT
We put the plan into action, setting up the appropriate investment accounts, investing assets in the agreed upon portfolios, setting up contribution and withdrawal requirements and making sure your insurance policies are in place as needed.
step 6
MONITOR
We monitor your investments, fine tuning your holdings as market conditions change. We communicate regularly to ensure your plan remains up to date as you reach certain milestones and as life circumstances change, leading back to DISCOVERY.
STEP 1
DISCOVER
We meet with you to identify and understand your unique goals and objectives.
step 2
GATHER DATA
We gather the relevant financial documents and information needed to create a complete picture of your financial universe.
step 3
ANALYZE & PLAN
We review your total financial picture, assess your needs and bring in specialists as required to build an actionable plan.
step 4
REVIEW & DISCUSS
We meet with you to discuss the plan and review the proposed investment strategy to make sure it’s right for you and your family.
STEP 1
We meet with you to identify and understand your unique goals and objectives.
STEP 2
We gather the relevant financial documents and information needed to create a complete picture of your financial universe.
STEP 3
We review your total financial picture, assess your needs and bring in specialists as required to build an actionable plan.
STEP 4
We meet with you to discuss the plan and review the proposed investment strategy to make sure it’s right for you and your family.
STEP 5
We put the plan into action, setting up the appropriate investment accounts, investing assets in the agreed upon portfolios, setting up contribution and withdrawl requirements and making sure your insurance policies are in place as needed.
STEP 6
We monitor your investments, tuning your holdings as conditions change. We communicate regularly to ensure yoru plan remains up to date as you reach certain milestones and as life circumstances change, leading back to DISCOVERY.
why ADVISORS join us
Build a stronger client service offering
More choice for clients
Spend more time with clients
Access to industry specialists in one place
Access to a succession plan
Do you have a question about our services or investment solutions? Let’s talk!
Set up a call with our Director of Business Development.
INSIGHTS
PORTFOLIO MANAGERS’ BRIEF – November 2024
Croft Joins BMO to Open the Market
BMO is celebrating the launch of 11 new ETFs, 8 of which have a focus on companies that are leaders in ESG (Environment, Social and Governance). This innovation in ESG investing comes from a combined strength of BMO Global Asset Management, a UN Principles Responsible Investing (PRI) signatory since 2006 and MSCI, voted best firm for SRI research, corporate governance, research and indexes. 40 years of experience in ESG research has led to over 1300 firms utilizing their ESG insights as part of their investment process.
January 2020 Commentary & Outlook
There was very little holding the U.S. and Canadian stock markets back in December. We had identified a possible headwind with a proposed round of tariffs set to take effect on December 15th. However, with a “Phase 1” trade agreement reached between the U.S. and China instead, and Trump’s impeachment being of no consequence to the markets, investor optimism continued to push stocks higher into the close of 2019.
December 2019 Commentary & Outlook
U.S. and Canadian stocks continued to extend their gains through the month of November and into December, with consumer and service-based sectors leading the charge.
Markets continued to push higher against a background of positive consumer sentiment surveys, low interest rates and supportive central banks, plus a favorable labour market overall, albeit recent Canadian employment numbers have turned sharply negative.
Research Report: Investments to Make During a Trade War
The trade war between Trump and China may have reached a temporary truce but signs of escalation remain. With the ongoing conflict creating more uncertainties, investors are looking for better strategies to minimize the risks and ride out the ongoing trade issues.
Research Report: What’s Changed?
There has been an overriding question raised during our investment committee meetings over the past several months “what’s changed?” and to this point the answer continues to be a resounding “nothing”.
The U.S. and China went tit for tat during the month of August as both sides introduced a new round of tariffs. Economic data came in somewhat weaker than expected and once again, the U.S. treasury bond market “inverted” and thereby flashed another recessionary signal.
Research Report: Recession Fears Continue
Recession fears have been tilting investor sentiment for the past two years making the lon