Our Team

Dedicated Professionals

The Rosedale Group

Our Team

Dedicated Professionals

With unmatched experience, our team is committed to providing independent and exclusive financial, estate and tax solutions.

Meet Our Team

Our Company

Why Our Experience Sets Us Apart

The Rosedale Group is committed to helping our clients reach their financial goals, while always acting with the integrity and professionalism expected by the discerning investor. By achieving our mission, we are the gold standard in comprehensive wealth management.

The Rosedale Group is a global wealth management practice that places value on getting it right. We are the exclusive and comprehensive family wealth manager that helps our clients achieve what is most important to them. We understand that high-value and key clients require a certain caliber of service that is above and beyond what is offered by brokers or even traditional investment advisors.

Our clients recognize the value of trusted advice as well as our coordinated and personalized approach to wealth preservation and creation. They generally come to us for our conservative investment approach, which focuses on preserving capital, generating income, and delivering steady long-term growth.

What We Do

Discover Our Unique Service Offering

The Rosedale Group offers a number of services to our clients. We rely upon a team of experts who we draw upon for specialized, integrated and global advice. On a regular basis, we utilize the resources of our experts, review the progress our clients are making towards their goals, and make necessary adjustments in their overall plan.

We are backed by a team of specialists within ScotiaMcLeod, as well as from Scotiabank strategic partners located in Toronto, New York and Mexico City. This allows us to access the required expertise to provide our clients with a comprehensive investment strategy across the global markets.

The goal of retirement income planning is to establish a life-long income stream that can support the lifestyle you desire, while also mitigating risk factors. We provide expert advice about registered retirement products, including RRSPs, RRIFs and annuities. We identify your retirement income need, review the assets and income stream available to fund your retirement and demonstrate how prudent withdrawal rates can extend the life of your investments.

Our Will and Estate Planners provide advanced knowledge of estate planning strategies and solutions. Working with your specific financial, legal and tax situations, the Will and Estate Planners help you achieve your testamentary goals in a tax-efficient and timely manner.

We have partnered with some of the best Financial Enterprise Planners and have developed customized succession plans for your family business. Succession planning is an important process and should not be overlooked.

Insurance solutions help define your complete financial strategy and deliver on our Client Commitment to provide you with recommendations that encompass your entire financial picture. The Insurance experts can provide technical knowledge and personal/corporate strategies relating to income and wealth enhancement, charitable gifting, income replacement and business coverage.

Our Tax Experts help you minimize the amount of tax you pay. We work with your existing team of professional advisors (accountants, lawyers, etc.) to provide continuity of expertise and knowledge.

We have the expertise needed to provide guidance on how to maximize the value of your Registered Education Savings Plans (RESPs), and information about your other education savings options.

If you are committed to creating a meaningful legacy that warrants philanthropic advice or help in the creation of a foundation, we can draw on the expertise of the largest provider of expert philanthropic services to private foundations from within the Scotiabank Group. These specialists have the means and knowledge to guide you in making a lasting contribution for generations to come.

Top notch personal day-to-day banking services offered through your regular branch, or customized private banking services tailored to your needs for a fee—you can choose.

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Love Letter – May 2018

June 1, 2018

“Offence wins games, defence wins championships”

With a record of 59 wins and only 23 losses, the 2017-2018 season for the Toronto Raptors was a franchise best and was enough to clinch the Eastern Conference title and the 2nd best win-loss percentage in the league. However, despite this regular season performance, the Raptors were decisively swept out of the playoffs in the 2nd round by LeBron James and the Cleveland Cavaliers. Offence wasn’t the problem, as the Raptors averaged 107 points per game during the playoffs (not materially different than the 111 point average during the regular season). Rather, it was the dismally high number of points allowed while the Raptors were playing defence (known as “defence rating” in NBA statistics). For yet another season, the Raptors strong offense earned them a spot in the playoffs, but a weak defence cost them the championship.

After several years of playing offence, we think investors should regard the U.S. Federal Reserve as formidable an adversary as LeBron James was to the Raptors. From an investment perspective, portfolios need to defend against steadily rising interest rates. With robust economic conditions in the U.S (unemployment rate near a 48 year low, inflation trending higher), it is not a question of whether the Fed will keep hiking rates but how quickly. Since rising interest rates have a dampening effect on the economy, Fed rate hiking cycles dating back to the 1980s have been followed by recessionary periods (see exhibit 1).

Talk of recession may seem contradictory given current economic conditions and interest rates that are still well below historical levels. While we believe the near-term outlook remains positive, our concern is that further tightening by the Federal Reserve over the next 12-18 months could halt the current positive economic momentum. As highlighted in exhibit 1, the U.S. economy and asset prices have been acclimatizing to lower and lower interest rates for the past 30+ years. It is noteworthy that the last two recessions were triggered at progressively lower absolute interest rates. After a prolonged period of ultra-low interest rates since 2008, we think the economy’s ability to absorb higher interest rates may be limited.

Based on current market expectations, the Fed is expected to raise interest rates another 0.50%-0.75% during the remainder of 2018, and a further 0.50%-0.75% in 2019, bringing short-term rates to 2.75%-3.25%. Inflationary pressures, which are currently building, will ultimately dictate the pace of further rate hikes. Preferring to err on the side of caution, we consider it prudent to continue preparing for a likely slowdown that rising rates may trigger. In line with March 2018’s edition of The Love Letter, and consistent with recent transactions in our managed portfolio program, we have already started to take defensive steps to preserve your capital. Over the next 12 months, our intention is to continue removing risk from client portfolios by gradually reducing exposure to “long-only” equity investments. Areas where we intend to add exposure include: investment grade and government fixed income, alternatives, structured products, rotation into defensive sectors, and higher interest-bearing cash. This defensive strategy will allow us to reinvest in equity markets should valuations become more compelling in future.

As we near an expected inflection point, we look forward to meeting with you individually to provide greater insights into our market thesis, review our investment strategy, and address any concerns you may have.

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95 St. Clair Avenue West, Suite 1400, Toronto, Ontario, M4V 1N6, Canada
(416) 355-6349 · (416) 355-6352