WEALTH MANAGEMENT IN VICTORIA FOR HIGH-NET-WORTH FAMILIES
Fee-based financial planning and investment management for retirees, business owners, professionals, and families across Greater Victoria, Vancouver Island, and Western Canada — including clients with cross-border Canada–U.S. wealth considerations.
MAKE CONFIDENT DECISIONS WITH YOUR WEALTH.
If you are looking for wealth management in Victoria, BC, you may be facing an important financial decision — retirement, the sale of a business or property, receiving an inheritance, relocating, or managing significant assets for your family’s future.
At Heart Wealth Management Group of Raymond James Ltd., based in downtown Victoria, our wealth managers April Dorey Hartwig, Pam Katunar and Chad Katunar help simplify complexity, reduce unnecessary tax drag where possible, and structure your wealth so it can better support your life, your family, and your long-term goals.
We proudly serve high-net-worth clients across Victoria, Oak Bay, Saanich, Sidney, Sooke, the Westshore, Vancouver Island, and Vancouver. We continue supporting long-standing clients across Canada and the USA. Whether you are selling a business, moving to British Columbia or Alberta, relocating between Canada and the United States, or planning your retirement, we provide personalized financial planning, investment management, and transition support specific to your goals.
Call us today: 1.888.778.0356
IT’S NOT WHAT YOU EARN. IT’S WHAT YOU KEEP.
Investment returns matter. But for high-net-worth families, pre-tax performance is only part of the picture.
We focus on what you keep after tax, after fees, and over time.
Our approach coordinates your taxable, registered, corporate, and tax-free accounts into one disciplined strategy — so your investments, income, and withdrawals work together efficiently.
WHAT THAT MEANS IN PRACTICE
- Tax-coordinated portfolio structure. We consider where each investment is held, how different types of income are taxed, and how your accounts work together to help reduce avoidable tax drag.
- Retirement income planning. We help design income strategies intended to support your lifestyle, manage tax, and preserve capital where appropriate.
- Canadian dividend and income strategies. Where suitable, we use high-quality Canadian dividend-paying companies as part of a long-term income and growth strategy.
- Global diversification with tax awareness. We incorporate international exposure with attention to currency, withholding taxes, and the role each investment plays in the broader portfolio.
- Real assets for long-term resilience. Exposure to areas such as energy, infrastructure, precious metals, and select commodities may help diversify portfolios and support purchasing power over time.
- Discretionary portfolio management. For eligible clients, we provide professionally managed portfolios through Raymond James Ltd.’s Portfolio Investment Management Group framework.
BUILDING LEGACY. PROTECTING WHAT MATTERS MOST.
Creating wealth is an achievement. Preserving it across generations while honouring your values requires thoughtful planning, clear strategy, and experienced guidance.
With more than 25 years of experience, the team at Heart Wealth Management Group helps clients understand how their wealth can support their family’s future, protect what matters most, and serve the causes closest to their heart.
Our advice is personal, discreet, and grounded in long-term relationships.
“I believe that wealth gives you choices. Without money you have no choices.”
— April Dorey Hartwig, MBA, CIM®, CFP®, FCSI®
Founder & Senior Wealth Manager
QUESTIONS WE HELP CLIENTS ANSWER
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It depends on your assets, income sources, tax situation, and goals. We model sustainable withdrawal strategies across your accounts so you can spend with confidence rather than guesswork.
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Generally, by coordinating which investments sit in taxable, registered, corporate, and tax-free accounts so that each type of income — interest, dividends, capital gains — is taxed as lightly as possible. This is the heart of our after-tax approach.
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Ideally, planning begins before the sale closes. Decisions around corporate structure, capital gains, and how proceeds are deployed can meaningfully change your after-tax outcome. We work with clients before, during, and after major liquidity events.
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We help you quantify what you need first, then structure gifting, education funding, and charitable giving strategies around it — so generosity is planned, tax-aware, and sustainable.
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Cross-border moves raise investment account, tax residency, and estate questions that benefit from planning well before the move. Clients with U.S. accounts are served through Raymond James (USA) Ltd.
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Through coordinated estate planning, beneficiary and account structuring, insurance where appropriate, and family conversations — so wealth transfers reflect your values, not just your documents.
GET A SECOND OPINION ON YOUR PORTFOLIO
You have worked hard to build your wealth. A second opinion can help confirm whether your current strategy is aligned with your goals, your tax situation, and your next stage of life.
We offer a confidential, no-obligation review of your financial plan, investment strategy, and portfolio structure.
WHO WE WORK WITH
We advise a select group of clients who value discretion, expertise, and long-term partnership:
- Retirees and pre-retirees
- Physicians and healthcare professionals
- Business owners preparing for sale or succession
- Real estate investors and professionals
- Families relocating to Victoria, BC
- Cross-Border Families and Professionals
Serving clients across Greater Victoria, Vancouver and Vancouver Island, while continuing to support long-standing clients throughout Canada and the USA.
GET TO KNOW HEART WEALTH
Meet the Heart Wealth Management Group
We work together as a team of experienced professionals combining our talents to provide exceptional custom care, insightful investment advice, and customized wealth management solutions to an exceptional clientele of highly accomplished individuals, their companies and families.
Please contact us today to book a confidential interview.
Heart Wealth Management Group of Raymond James Ltd. proudly serves high-net-worth clients across Victoria, Vancouver, Edmonton, and Calgary. Whether you're selling a business, moving to BC or Alberta, or planning your retirement, we offer personalized financial planning, investment management, and transition support tailored to your goals.
