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
Research Report: The Fed’s Two-Step
It seems that economists are changing their views as often as Putin changes generals. Case in point: the International Monetary Fund’s (IMF’s) World Economic Outlook (WEO) published in mid-October, revised downward 2023 growth expectations. The IMF now believes the global economies will collectively grow at 2.3% in 2023, which is 0.2% below the previous WEO forecast released in July. Look for more of the same in the coming months as economists compete in a race to the bottom.
Research Report: September Swoon
Let’s take a collective deep breath. September, which historically is the worst month for stocks, has passed – and it did not disappoint! We saw 10% declines in U.S. markets, while Canadian stocks, buoyed by energy and basic materials, lost less than half that amount.
Research Report: The Impossible Dream
For the past two months financial markets have been stuck in a trading range that runs the gambit between fear and greed – a classic tug of war buttressed by vague macro-economic scenarios that are, at best, subjective.
Efforts to pinpoint the terminal interest rate[1] vary depending on the latest iteration of ‘Fed speak’. Currently, market participants seem to have priced in an interest rate trajectory that will culminate somewhere between 3.75% to 4.25%.
Recession Update
There is much debate about whether the U.S. economy is in a recession. According to the U.S. Bureau of Economic Analysis (BEA) advanced estimate, the U.S. economy has contracted for two consecutive quarters (see chart). GDP declined by -1.6% in the first quarter followed by a -0.9% decline in the second quarter ending June 30th.
Research Report: Winning The Inflation Battle?
are causing the imbalances.
What impact are global transportation bottlenecks having on prices along the supply chain? How much of the demand surge is a desperate attempt by consumers to feel normal again? What impact is the Ukraine war having on food and energy prices? Did government sponsored pandemic relief programs provide too much stimulus? Each of these factors has an impact. The chart to the right is our best guess as to the relevancy of each of these components.
Resarch Report: Putin Ouster – Markets & Bonds
As the Russian invasion of Ukraine grinds on with no apparent solution through international diplomacy, some commentators are wondering if an end to the conflict could come if Vladimir Putin is removed from power.
Even U.S. President Joe Biden in a speech delivered in Poland said Putin “cannot remain in power.” Despite White House attempts to downplay the rhetoric, President Biden was steadfast that he was “not walking anything back!”