Welcome

   


We work with high net worth clients. We act for individuals, families, professionals, business owners, retirees and pre-retirees, and companies engaged in the agriculture and fishing industries, among others.

Investable asset size is just one of several factors involved when we enter into a new relationship. Accordingly, we welcome the opportunity to talk with young professionals with whom we can build a robust client partnership offering long-term wealth building opportunity and significant potential asset growth.

About Scotia Wealth Management


Latest news

Quarterly commodity price update

Canadian Market Summary

Written by Iconic Group
July 10, 2018

We have updated our commodity price forecasts, along with our company estimates, valuations, and select target prices and ratings.

Oil Markets: Announced OPEC+ group supply growth targets work against demand seasonality and recent unplanned supply outages. Our global supply-demand balancing assumptions have not changed dramatically on a net basis as a result. Consequently, our crude oil price deck moves modestly higher for benchmarks WTI and Brent in 2018, but remain unchanged in later years. Importantly, our assumptions concerning Canadian light sweet and heavy differentials were significantly widened, illustrating ongoing transportation bottlenecks within the Western Canadian Sedimentary Basin (WCSB).

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Your team

The Ritcey Team – supported by our wealth specialists we can offer financial, tax, insurance, estate planning and private banking services.

Our team consists of two dedicated wealth management professionals who have worked together as partners for almost 20 years, David Ritcey and Kate Whynot.

David J. Ritcey

After completing Bachelor of Science and Bachelor of Business Administration degrees from Acadia University, Dave has been with Scotia Wealth Management for the past 26 years.

As a licensed Portfolio Manager, Dave has the discretion to make investment decisions on a client’s behalf should a client desire to fully delegate day-to-day portfolio management. He is one of very few Scotia Wealth Management advisors across Canada to have this capability.

He is also a Certified Financial Planner licensed by the Financial Planners Standards Council and he holds senior professional designations (CIM, FCSI) from the Canadian Securities Institute and the internationally recognized Investment Management Consultants Association (CIMA) and Society of Trust and Estate Practitioners (TEP).

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Kate Whynot

After graduating from Acadia University with a Diploma in Business Administration, Kate began her career at Scotia Wealth Management in May of 1998.

She joined The Ritcey Team in July of 1998 and brings with her a broad knowledge of investments and superior skills in servicing clients. Kate handles all administrative issues and assists in the maintenance, and review of client portfolios.

At Scotia Wealth Management, Kate has continued to expand on her university business background. She has completed the Canadian Securities Institute’s Professional Financial Planning Course. Her expanded knowledge and expertise in investment management, tax and estate planning, insurance, law, and fair and ethical business practices is evidence of her commitment to meeting the needs of clients.

Colin joined Scotia Wealth Management in January 2000. He provides The Ritcey Team with fully integrated insurance strategies that can assist clients in meeting their specific goals for building, preserving and protecting their wealth.

Colin has been in the estate planning and financial services industry for several years and brought with him comprehensive life, pension and distributor support experience. Prior to coming to Scotia Wealth Management, Colin was an independent insurance professional and has also been a specialist in the area of pension benefits for one of Canada’s leading insurance companies.

Colin has a Bachelor of Commerce degree, is a Certified Financial Planner (CFP) and has also completed his Canadian Securities Course.

Insurance services are provided by Scotia Wealth Insurance Services Inc.

Jamie is engaged in the development of your highly customized and comprehensive financial plan- the true foundation of your experience and the measure of future success. As part of this planning process, Jamie explores

relevant financial, retirement, tax, will and estate strategies. He has extensive experience providing financial planning advice to clients with complex and sophisticated needs and goals.

 

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Financial planning and advisory services are provided by Scotia Capital Inc.

Christy Sandles

Christy is responsible for providing advice and guidance to Estate and Trust clients for their Will and Estate planning strategies. Prior to joining Scotiabank in 2013, she practiced law for several years at a mid-sized firm in Halifax, specializing in the areas of wills and estates law, litigation and banking law.

A graduate of the Bachelor of Arts (Honours) degree in Anthropology at the University of Waterloo, Christy is also a graduate of the Bachelor of Laws degree at Dalhousie University. Called to the Bar in 2010, she is a member of the Nova Scotia Barrister’s Society and the Canadian Bar Association.

Christy is a member of the Halifax Estate Planning Council and the Society of Trust and Estate Practitioners (Canada).

Estate and trust services are provided by The Bank of Nova Scotia Trust Company.

What we do

We offer our clients a uniquely personal wealth building experience based on direct contact with an accessible, competent, and motivated team. Below is a summary of just a few of the services we offer through Scotia Wealth Management.


Wealth management

Wealth Management, portfolio development and investment management are crucial elements in wealth building. But they only represent part of the story. We are strategic wealth managers. This means that we consider the total implications of wealth building, from financial and tax strategy, to insurance, estate planning, legacy creation, wealth transfer and more. All are ultimately connected. We can help you see the total picture.

Tax efficient solutions*

You worked hard to earn your money and you want to see as much of it as possible work for you. Building and protecting your wealth requires a careful look at your overall financial situation, particularly your own personal circumstances and the tax implications of your investments. By structuring the right mix of investments you could potentially pay less tax and ensure you are receiving optimal risk-adjusted returns.

(Please consult with your tax specialist as well)

Retirement planning

For some people, retirement means having the financial flexibility to change your daily routine without worrying about your finances. For others, it means sitting back and doing all the things you have wanted to do but never had the time to do. Starting today, we will help ensure that you reach your retirement goals and objectives, based on careful planning and the best possible counsel and advice. Let us help you get going.

Estate planning

Estate planning is about life – in the present and in the future. Most importantly, estate planning is about the life of your family, your loved ones and the peace of mind you get from helping to provide for their financial security. Whether your estate is large or of modest value, your estate plan should be part of your total financial strategy and based on solid financial planning principles. We’re here to help. Estate planning is offered through Scotiatrust.

Depending on your investment preferences and investable assets, we offer the Managed Portfolio Program.

Unique to Scotia Wealth Management, this is a customized discretionary account designed and administered exclusively for you. Supported by an Investment Policy Statement (IPS) incorporating your specific return expectations, income requirements, risk tolerance, time horizon, and tax considerations, this account is managed personally by Dave Ritcey. Talk to Dave about it.

Scotia Wealth Management enjoys a well-earned reputation for offering excellent dividend-paying Canadian equity, specifically through our Canadian Income Plus Guided Portfolio.

Structured and disciplined, this portfolio is diversified across the broad sectors of the Canadian economy. Actively managed, closely monitored and supported by regular updates on performance, this portfolio is designed for conservative investors whose primary objective is regular income with modest capital appreciation. Talk to Dave about it.

The Ritcey Team have been working with high net worth women (married, single or divorced) for most of our professional lives. We understand the unique relationship women have with their money. Talk to Dave or Kate about how we can help you.

“Women have long been relegated to the side-lines of the financial services sector, where advisers have traditionally focused on men and their money. Now the tables are turning and wealth managers face an unprecedented transformation as more women outlive their spouses, hold an increasing share of jobs and take greater control over family finances.”
The Globe and Mail, August 9, 2014

Contact us

We are committed to exceptional client service.

Our team of professionals is available by phone or email, and each of us looks forward to meeting you in person.

Our address

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1 Webster Street
Kentville, Nova Scotia
B4N 1H4, Canada

902.678.3285
902.678.4449

Contacts
NamePositionPhone
David J. RitceyPortfolio Manager902.678.0048
Kate WhynotSenior Associate902.678.3285