R·D·M

Family Wealth Advisor

Strategic, thoughtful
conversations
that build wealth.

Helping you create and manage wealth through strategic and thoughtful conversations and advice.

Start the conversationor call 905.639.8777 ext. 114
Richard D. Mitchell

Designations

  • CFA®
  • CFP®
  • CAIA®
  • CIPM®

25+

Years of investment industry experience

4

Professional designations

2008

CFA charter year

Who I serve

Families at meaningful inflection points.

Most clients arrive at a moment of transition — a sale, a retirement, a generational shift. The work is to make sure the wealth that follows is purposeful.

  • Approaching retirement

    Households within five to ten years of retiring, looking to convert accumulated assets into reliable, tax-efficient income.

  • Business owners in transition

    Founders preparing to sell, dealing with concentrated stock, or coordinating proceeds across personal, family, and corporate accounts.

  • Multi-generational families

    Spouses, parents, and adult children sharing a wealth strategy. Estate planning, gifting, and trust structures.

  • Senior professionals & executives

    Stock options, RSUs, deferred compensation, and tax-aware asset location across registered and non-registered accounts.

How we work together

A measured, four-step engagement.

  1. 01

    Discovery

    A no-pressure conversation about your goals, your family, your obligations, and what wealth is meant to do for you.

  2. 02

    Plan

    A written financial plan integrating cash flow, tax, risk, retirement, and estate considerations — completed in congruence with your investment portfolio.

  3. 03

    Implement

    Portfolio construction, account types, beneficiary designations, and risk coverage put in place with care and explanation.

  4. 04

    Review

    Check-ins at your desired frequency, annual deep reviews, and an open line whenever life changes — a new home, a sale, a grandchild, a career move, a market move.

Portfolio strategies

Five strategies, calibrated to risk.

Each strategy blends equities, fixed income, and cash toward a defined risk profile. Higher expected return sits to the right — pick one that matches your situation, then apply it to the calculator below.

← Lower assumed risk  ·  Higher assumed risk →

  • Equities
  • Fixed income
  • Cash

Project growth

Apply a strategy with your situation.

Set your starting capital, monthly contribution, and time horizon. The selected strategy's blended return drives the projection — visit Resources for the full per-class calculator.

Project growth

Strategy: Balanced

$
$

20 years

Projected value

$1,189,675

Total contributed
$580,000
Total growth
$609,675

Illustrative only. Strategy returns blend FP Canada Projection Assumption Guidelines (2026) for public asset classes with an internal long-run estimate for alternatives. Visit Resources for the full per-class calculator.

The approach

Wealth, considered.

Plan, then invest.

A financial plan and an investment portfolio are developed side by side. Strategy comes before product.

Patience over prediction.

Markets reward discipline. We focus on what is durable: asset allocation, fees, taxes, and behaviour.

Built around the family.

Wealth is a means to an end — your family's. Every recommendation is calibrated to that purpose.

“
Strategic, thoughtful conversations that build wealth, protect families, and secure legacies.

— Richard D. Mitchell

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