Partnering to build optimized investment portfolios

Size: px
Start display at page:

Download "Partnering to build optimized investment portfolios"

Transcription

1 Partnering to build optimized investment portfolios PARTNERS PRESENTATION How to Hire Investment Counsel Firms Presented by: Michael Korman B. Comm. FMA, FCSI

2 Wealth Management Stages D E G R E E O F C U S T O M I Z A T I O N As clients accomplish various goals the need for more specific solutions increases. Mutual Funds Single Securities Fund of Funds EARLY STAGE Customized Fund Wraps Packaged Mutual Fund Wraps RJL Partners Program AFFLUENT STAGE Fee-Based Brokerage Accounts LEVEL OF INVESTABLE CLIENT ASSETS Separately Managed Wraps and Accounts >$25,000 >$75,000 <$100,000 HIGH END SEGMENT RJL Viridian Program Source: investor ECONMiCS

3 Agenda 1. What Investors Want 2. How Partners Delivers 3. Partners Program Characteristics 4. The Partners Process 5. Benefits for You 6. The Managers 7. The Ideal Partners Client 8. Next Steps 9. Questions

4 What Investors Want Partners is designed to deliver what you, the Investor, demands Q: When it comes to investing your money, what are you looking for?

5 What Investors Want Someone I can trust who will report to me promptly. I want a team approach instead of subjective decision making. I want proactive decision making so my money is efficient. I want to maximize and capture growth opportunity. I want to increase my annual income and preserve money I would like statements that I can understand. I want proper style and money allocated correctly. I want to know that I have made the right decision. I want transparency on my money.

6 How the Partners Program Delivers the Things Investors Want

7 Partners Program Delivers Advice from someone I can Trust, knows what they are doing and will take care of me Michael Korman B.Comm, FMA, FCSI Investment Advisor Over 18 years in the financial services industry Continually taking courses to keep skills current Operating on a fee basis

8 Your Financial Management Team Tax Planning Unique Event Planning Insurance Planning Financial Planning Estate Planning Investment Planning

9 Partners Programs Characteristics Designed for high-net-worth clients Direct ownership of securities Individual tax-effective management Aligns you and Michael Korman with a quarterly asset based fee (in most cases completely tax deductible) Maintain relationship with someone who knows your needs & goals Access to world s leading investment managers taking care of your investment portfolio Ongoing unbiased 3 rd party monitoring Specialized quarterly reporting and performance review More time and peace of mind

10 Partners Program The Partners Program is a service, NOT a Product! Investment Counsel Team(s) Analyze your needs Michael Korman Advisor with client relationship Quarterly Reviews Formulate investment strategy Rogers Casey, Inc. unbiased, 3 rd party consultant Raymond James Partners Administration Ongoing manager monitoring Employ Investment managers

11 The Right Perspective It takes a great deal of boldness and a great deal of caution to make a great fortune; and when you have got it, it requires ten times as much wit to keep it. Nathan Mayer Rothschild

12 The Partners Process Step One Michael Korman Analyzes: Your needs Analyze your Needs Your goals How you want your money to work for you Building and solidifying a strong client relationship Questionnaire driven process

13 The Partners Process Step Two Team Approach Formulate Investment Strategy Michael Korman Team of Independent Investment Counsel Investment Specialists Determine a strategic asset allocation to accommodate your needs, risk tolerance and return expectations Recommend suitable investment strategy Documented in Personalized Statement of Investment Policy

14 The Partners Process Step Three Employ World s Leading Money Managers How does Raymond James select its Investment Managers? Rogers Casey, Inc. Extensive search Meet strict selection criteria Proven track records for consistent performance through up and down markets Employ Investment Managers I want to make money, I don t want to lose money, and I want the very best for my investments

15 The Partners Process Step Four Ongoing Monitoring of the Managers Reviews each manager s performance against: Number of objective benchmarks Stated investment objectives Other managers and similar mandates Provides Raymond James with detailed reports Michael Korman Quarterly Review Raymond James Ltd. Daily Reviews Rogers Casey, Inc weekly reviews Ongoing Manager Monitoring I want to know I made the right decision

16 The Partners Process Step Five You and Michael Korman Meet Regularly Personalize the management of your account Review your goals Monitor your evolving needs and investment strategy Comprehensive quarterly reporting and timely analysis Monitor the managers Highlight tax-effective strategies Quarterly Reviews I want some bells and whistles, and I would like statements that I can read so I know how I am doing

17 The Partners Program Benefits Benefits You Can Depend On: Relationship with Michael Korman - knows your needs and goals Alignment of interests Access to audited institutional investment managers Ongoing monitoring 3 rd party unbiased consultant Personalized investment portfolio tax advantaged Comprehensive Quarterly Reporting More Time and Peace of Mind To Do The Things You Enjoy!

18 Partners Program Delivers I want a fair price. For non-registered accounts, the fee is tax deductible No RRSP fee No trading fees, no custodial fees

19 The Investment Managers Bissett / Franklin Templeton Brandywine Investment Eagle Asset Management Guardian Capital LP Jarislowsky Fraser Limited Beutel Goodman Capital Management Scheer Rowlett Investment Management Mawer Investment Management Sionna Asset Management Ltd. Standard Life Investments Inc.

20 Broad Universe of Investment Styles VALUE BLEND GROWTH LARGE CAP Brandywine Guradian Capital Mawer JF Eagle Bissett SLI-Div Guardian Global Eq KBSH MID CAP SLI-Sm Cap SMALL CAP

21 Ideal Partners Client Our clients are individuals who: Want more time for themselves and their families Want peace of mind investing by delegating investment decisions to a professional investment management team(s) Appreciate a highly disciplined and structured approach Want a closer relationship with their Raymond James Investment Advisor Suitable for organizations, trusts and those individuals with fiduciary duty Are willing to emphasize good process over cost and are patient

22 Next Steps 1. Review your Investment Goals 2. Design your Financial Roadmap 3. Recommend a Portfolio Solution 4. Implement the Investment Strategy 5. Monitor and Evaluate

23 The Investment Policy Process PROFESSIONAL INVESTMENT PROCESS Used by institutional investors and pension funds for over 50 years CLIENT PROFILE Range Plan, Score/Alert, Policy Monitor MONITOR AND EVALUATE OPTIMAL PORTFOLIOS 1 5 INVESTMENT POLICY STATEMENT PORTFOLIO CONSTRUCTION

24 How Does the Raymond James Investment Process Work? INVESTOR PROFILE ASSET MIX POLICY MANAGER RESEARCH & SELECTION PORTFOLIO CONSTRUCTION Time frame Goals Risk tolerance Sophisticated asset allocation model Custom designed asset mix Written Investment Policy Statement Manager research and screening by MoneyWare Advisor/client choose manager/funds from approved list Multi-asset, multi-manager, Multi-style portfolio PERFORMANCE REVIEW AND MANAGER EVALUATION Quarterly report showing performance vs. goals On-going evaluation of managers by MoneyWare INVESTMENT POLICY REVIEW Annual policy check-up and rebalancing review

25 Asset Allocation Process Create Optimal Portfolios Choose Asset Classes Expected Return Risk Correlation Optimal Portfolios Match Investor Profile to an Optimal Portfolio Questionnaire Client Profile Choose Appropriate Portfolio Create Investment Policy Statement

26 Asset Allocation Why not 100% in treasury bills? Why not 100% in stocks? Most choose somewhere in between Optimized models cover the usable spectrum Geographic Allocation Proper bond and equity weights Economic Overlay

27 The Emotional Roller Coaster

28 How Does Partners Protect Investors From Market Timing? Cumulative 3-Year Returns (%) 120 Advisors Help Investors Stay the Course Three Year Returns After Down Years: Large Stocks Source: Ibbotson Associates, Chicago. Used with permission. All rights reserved. Investors repeatedly jump ship on a good strategy just because it hasn t worked so well lately, and almost invariably abandon it at precisely the wrong time. David Dreman

29 The Hierarchy Of Investment Decisions Most Important What is the Time Horizon of the Investment Strategy? What Asset Classes will be considered? What will be the mix among Asset Classes? Least Important Which Managers/Funds will be selected?

30 Market Risk: Why Diversification is Important

31 The Importance of Asset Allocation Asset Allocation Policy 91.5% Other Factors 2.1% 4.6% 1.8% Security Selection Market Timing Source: Determinants Of Portfolio Performance II: An Update Financial Analysts Journal, May - June 1991 E It is generally agreed that the asset allocation decision is by far the most important one made by an investor. William F. Sharpe

32 Style Dominates Equity Returns Returns of Typical Equity Portfolios are Explained by: Active Management 10% Investment Style 90% Source: William F. Sharpe, 1992 Conclusion: Which manager you choose is much less important than which style you choose. Next to asset allocation, the style choice is your next most important investment decision.

33 Partner s Program Thank You! The information contained in this presentation was obtained from sources believed to be reliable, however, we cannot represent that it is accurate or complete. This presentation is provided as a general source of information and should not be considered personal investment advice or solicitation to buy or sell securities. The views expressed are those of the author, Michael Korman, and not necessarily those of Raymond James Ltd.

34 Raymond James Ltd. Corporate Offices: West Georgia St Vancouver, BC V6C 3L King St West Toronto, ON M5H 3Y2 Raymond James Ltd. is a member of the: Toronto Stock Exchange Montreal Exchange TSX Venture Exchange Investment Industry Regulatory Organization of Canada Canadian Investor Protection Fund

private client managed portfolios

private client managed portfolios private client managed portfolios Simplify, preserve and enhance. Your wealth is the cumulative result of your hard work, discipline, and astute management. Yet the opportunities it affords may also come

More information

Viridian FLEXIBILITY YOUR WAY

Viridian FLEXIBILITY YOUR WAY Viridian FLEXIBILITY YOUR WAY YOUR VIRIDIAN ACCOUNT EXPERIENCE THE DIFFERENCE Your Viridian Account is a premium, full-service, fee-based account offered by Raymond James, designed for clients investors

More information

what s inside Who we are 2 How discretionary investment management can work for you 3 Your customized investment portfolio 4 Regular client contact 5

what s inside Who we are 2 How discretionary investment management can work for you 3 Your customized investment portfolio 4 Regular client contact 5 Vancity Investment Management provides you with direct access to an experienced, dedicated Portfolio Manager who will actively monitor and professionally manage your account. Thank you for taking the time

More information

Guide to Separately Managed Accounts

Guide to Separately Managed Accounts Guide to Separately Managed Accounts Tools to Better Shape Your Investment Future Not FDIC Insured May Lose Value No Bank Guarantee I N V E S T M E N T M A N AG E M E N T voyainvestments.com VoyaTM Investment

More information

ASSANTE OPTIMA STRATEGY

ASSANTE OPTIMA STRATEGY ASSANTE OPTIMA STRATEGY At Assante Wealth Management, we believe that an integrated approach to managing your wealth is a better approach. ASSANTE OPTIMA STRATEGY: A BETTER WAY Are you well invested? Wondering

More information

Risk tolerance questionnaire

Risk tolerance questionnaire Risk tolerance questionnaire Many people are uncertain about the level of volatility they can or should tolerate in their investments. The information gathered here will help you and your advisor determine

More information

PIVOTAL SOLUTIONSII. Investor Profiler Questionnaire

PIVOTAL SOLUTIONSII. Investor Profiler Questionnaire PIVOTAL SOLUTIONS PIVOTAL SOLUTIONSII Investor Profiler Questionnaire Which investment mix is right for me? Choosing the right selection of investments is an important task. Your financial goals and objectives,

More information

SEI Aggressive Global Equity Portfolio

SEI Aggressive Global Equity Portfolio SEI Aggressive Global Equity Portfolio Investment Policy Statement INTRODUCTION An Investment Management Program will determine the right mix of investments for your personal situation in order to meet

More information

PRIVATE CLIENT MANAGED PORTFOLIOS

PRIVATE CLIENT MANAGED PORTFOLIOS PRIVATE CLIENT MANAGED PORTFOLIOS To sim lif, reserve an enhance. United Financial Private Client Managed Portfolios Your wealth is the cumulative result of your hard work, discipline, and astute management.

More information

Who Is Truly Managing Your Money?

Who Is Truly Managing Your Money? m Who Is Truly Managing Your Money? Written by Bruce Morrison, CIM, FCSI Portfolio Manager Director, Private Client Group DWM Securities Inc. Company Logo Who is Truly Managing Your Money? You care about

More information

The Pinnacle Funds. Simplified Prospectus. December 11, 2009 Class A and Class F units and Class I units where noted. Money Market Fund.

The Pinnacle Funds. Simplified Prospectus. December 11, 2009 Class A and Class F units and Class I units where noted. Money Market Fund. The Pinnacle Funds Simplified Prospectus December 11, 2009 Class A and Class F units and Class I units where noted Money Market Fund Pinnacle Short Term Income Fund Bond Funds Pinnacle Income Fund Pinnacle

More information

Investment Counselling Program

Investment Counselling Program Investment Counselling Program To us there are no foreign markets. N19 70 56 W155 08 58 Golfing with friends, Hawaii Your life has a geography. Where you re from, where you re going, where you aspire to

More information

Early on, your needs were simple. The memory of

Early on, your needs were simple. The memory of Client Guide Early on, your needs were simple. The memory of investing your first hard-earned dollars is etched in your mind. As you established yourself and began to experience success, your needs changed.

More information

Mackenzie private wealth counsel. Investor guide

Mackenzie private wealth counsel. Investor guide Mackenzie private wealth counsel Investor guide a complete wealth management service As a high net worth investor, we appreciate that you have complex needs. Mackenzie Private Wealth Counsel is dedicated

More information

EXPLORING WEALTH MANAGEMENT SOLUTIONS

EXPLORING WEALTH MANAGEMENT SOLUTIONS EXPLORING WEALTH MANAGEMENT SOLUTIONS Providing the requisite expertise and resources to manage the complexities of significant wealth. [ EXPLORING WEALTH MANAGEMENT SOLUTIONS WE PROVIDE IMPECCABLE SUPPORT

More information

WEALTH MANAGEMENT & ADVISORY SERVICES. Stability. Integrity. Expertise.

WEALTH MANAGEMENT & ADVISORY SERVICES. Stability. Integrity. Expertise. WEALTH MANAGEMENT & ADVISORY SERVICES Stability. Integrity. Expertise. A Proven Strategy for Investment Success Best-of-Class We are not restricted by offering proprietary products or holding an inventory

More information

A Tradition of Excellence ROTHSCHILD ASSET MANAGEMENT

A Tradition of Excellence ROTHSCHILD ASSET MANAGEMENT A Tradition of Excellence ROTHSCHILD ASSET MANAGEMENT AN ENDURING LEGACY Following the advice of their father, the five sons of Mayer Amschel Rothschild each set up office in one of the great financial

More information

Benefits of Separately Managed Accounts

Benefits of Separately Managed Accounts 703 Market Street, 18th Floor San Francisco, CA 94103 800.541.7774 Benefits of Separately Managed Accounts Separately Managed Accounts are known under a number of other names including individually managed

More information

COMPREHENSIVE WEALTH MANAGEMENT

COMPREHENSIVE WEALTH MANAGEMENT PRIVATE CLIENT TM COMPREHENSIVE WEALTH MANAGEMENT ASSANTE A OUR GOAL is to simplify and enhance the lives of our clients by serving as their financial advisor managing their assets and lifestyle needs

More information

CI LifeCycle Portfolios

CI LifeCycle Portfolios Portfolios Portfolios Portfolios are sophisticated multi-asset class, multi-manager target date retirement funds offered exclusively by CI Institutional Asset Management as an option for pension plan sponsors

More information

Private Investment Management. A disciplined investment approach

Private Investment Management. A disciplined investment approach Private Investment Management A disciplined investment approach 03 A disciplined investment approach You have been able to accumulate a substantial amount of capital. However, the challenge is to preserve

More information

Where Smart Money Is Invested

Where Smart Money Is Invested Where Smart Money Is Invested An Executive Summary of Winning With Integrity: A Powerful Guide to Successful Investing with Individually Managed Accounts / Separately Managed Accounts Effectively managing

More information

Private Wealth Management Mutual Fund Solution

Private Wealth Management Mutual Fund Solution Private Wealth Management Mutual Fund Solution A Step-by-Step Guide to Investment Success In Collaboration with Portfolio Resources Group, Inc. The Strategic Approach to Building Mutual Fund Portfolios

More information

Mutual Fund Advisory Program

Mutual Fund Advisory Program Mutual Fund Advisory Program GIVING YOU ACCESS TO A WIDE RANGE OF PROFESSIONALLY MANAGED MUTUAL FUND PORTFOLIOS THE MUTUAL FUND ADVISORY PROGRAM OFFERS YOU: > Access to actively managed investment solutions

More information

Asset Management Portfolio Solutions Disciplined Process. Customized Approach. Risk-Based Strategies.

Asset Management Portfolio Solutions Disciplined Process. Customized Approach. Risk-Based Strategies. INSTITUTIONAL TRUST & CUSTODY Asset Management Portfolio Solutions Disciplined Process. Customized Approach. Risk-Based Strategies. As one of the fastest growing investment managers in the nation, U.S.

More information

Target Date Funds. Our optimal multi-manager solution

Target Date Funds. Our optimal multi-manager solution Target Date Funds Our optimal multi-manager solution Contents 01 Combining simplicity and quality 02 What sets Standard Life TDFs apart 03 How we built the optimal TDFsof TDFs 07 Governance and product

More information

Sophisticated investments. Simple to use.

Sophisticated investments. Simple to use. Russell LifePoints INSTITUTIONAL TARGET DATE FUNDS Sophisticated investments. Simple to use. INVESTED. TOGETHER. Now your default option can be your best option. If your target date funds are projected

More information

URBANA CORPORATION. ANNUAL MANAGEMENT REPORT OF FUND PERFORMANCE For the year ended December 31, 2005

URBANA CORPORATION. ANNUAL MANAGEMENT REPORT OF FUND PERFORMANCE For the year ended December 31, 2005 URBANA CORPORATION ANNUAL MANAGEMENT REPORT OF FUND PERFORMANCE For the year ended December 31, 2005 TABLE OF CONTENTS Changes in Reporting Requirements...1 Investment Team...1 Investment Objectives &

More information

Your gateway to a world of investments

Your gateway to a world of investments World Selection Portfolio Your gateway to a world of investments Access to local and global investment managers The World Selection Portfolio service leverages the expert capabilities and guidance of portfolio

More information

New Client Package Prepared for

New Client Package Prepared for Table of Contents Personal Information Questionnaire What Do You Want To Do Your Investment Profile Planning Strategies Checklist New Client Package Prepared for Notes To File Fact Finder Date Completed

More information

FIXED INCOME SOLUTIONS

FIXED INCOME SOLUTIONS FIXED INCOME SOLUTIONS OCTOBER, 2013 John Donovan, Head of Fixed Income and Trading Chris Gunster, Head of Fixed Income Portfolio Management David Litvack, Head of Tax-Exempt Fixed Income Research Jessie

More information

ARE YOU A PRIVATE CLIENT?

ARE YOU A PRIVATE CLIENT? ARE YOU A PRIVATE CLIENT? EXCLUSIVE INVESTMENT SERVICES FOR PRIVATE CLIENTS Private clients are individuals and families who have a significant financial portfolio and require expertise and access to investments

More information

Benefit from a new fiduciary approach

Benefit from a new fiduciary approach RUSSELL DEFINED CONTRIBUTION FIDUCIARY OUTSOURCING SERVICES Benefit from a new fiduciary approach INVESTED. TOGETHER. New challenges require new solutions In a world where many employees will rely on their

More information

Your Investment Policy Statement. Your Investor Profile

Your Investment Policy Statement. Your Investor Profile Your Investment Policy Statement Date: 03/21/10 Prepared for : John Sample Address: Province: Postal Code: 123 Any Street Ontario A1B 2C3 Phone: (123) 456-7890 Prepared by: Dealer Address: Province: Postal

More information

National Bank Strategic Portfolios. A Sound Investment

National Bank Strategic Portfolios. A Sound Investment National Bank Strategic Portfolios A Sound Investment 03 What are the Strategic Portfolios? Six portfolios designed to meet the needs of six different investor profiles. Optimal diversification by asset

More information

Helping you retire with confidence

Helping you retire with confidence Retirement Help for Life Helping you retire with confidence Craig Adler, CFP Who we are Cofounded by Bill Sharpe, Nobel Prize-winning economist More than 15 years of trusted advice and professional management

More information

Introducing. Tax-Free Savings Accounts

Introducing. Tax-Free Savings Accounts Introducing Tax-Free Savings Accounts Tax-Free Savings Accounts A new way to save Tax-free savings accounts were introduced by the federal government in the 2008 budget as an incentive for Canadians to

More information

Financial advisers How they can help

Financial advisers How they can help Financial advisers How they can help This guide has been produced for educational purposes only and should not be regarded as a substitute for investment advice. Vanguard Asset Management, Limited only

More information

MACKENZIE PRIVATE WEALTH COUNSEL

MACKENZIE PRIVATE WEALTH COUNSEL MACKENZIE PRIVATE WEALTH COUNSEL PORTFOLIO ARCHITECTURE SERVICE INVESTMENT PHILOSOPHY Mackenzie Private Wealth Counsel Portfolio Architecture Service Investment Philosophy THE IMPORTANCE OF ASSET ALLOCATION

More information

INVESTMENT POLICY STATEMENT Valued Client

INVESTMENT POLICY STATEMENT Valued Client INVESTMENT POLICY STATEMENT Valued Client August 17, 2010 PREPARED BY: John Ohl Bay Colony Advisors 91 Main St STE 308 Concord, Massachusetts 01742 (978) 369-7200 John@baycolonyadvisors.com www.baycolonyadvisors.com

More information

PLANNING MATTERS. New Tax Measures for Families Introduced. Quarterly Financial Planning Newsletter from Coleman Wealth

PLANNING MATTERS. New Tax Measures for Families Introduced. Quarterly Financial Planning Newsletter from Coleman Wealth PLANNING MATTERS Quarterly Financial Planning Newsletter from Coleman Wealth Fall 2014-1 st Edition Welcome to Planning Matters, the Coleman Wealth Financial Planning Newsletter! We developed our new financial

More information

THE EQUITABLE LIFE INSURANCE COMPANY OF CANADA

THE EQUITABLE LIFE INSURANCE COMPANY OF CANADA universal life savings & Investment opportunities THE EQUITABLE LIFE INSURANCE COMPANY OF CANADA Universal Life Savings & Investment Opportunities Universal Life plans offer the benefits of two distinct

More information

Financial Advisor Interview Questionnaire

Financial Advisor Interview Questionnaire Financial Advisor Interview Questionnaire Advisor name: Company Name: Cyril S. White White House Financial & Investment Solutions, LLC Date: May 30, 2013 Why did you become a financial advisor? I became

More information

Part 2A Appendix 1 of Form ADV Wrap Fee Program Brochure

Part 2A Appendix 1 of Form ADV Wrap Fee Program Brochure Part 2A Appendix 1 of Form ADV Wrap Fee Program Brochure D.A. Davidson & Co. 8 Third Street North Great Falls, MT 59401 406 727 4200 www.dadavidson.com May 16, 2016 This wrap fee program brochure provides

More information

SunFlex Retirement Income

SunFlex Retirement Income SunFlex Retirement Income PERFORMANCE-LINKED INVESTMENT OPTIONS BOOKLET Life s brighter under the sun Contents Investment options Sun Life Granite Managed Solutions Sun Life Granite Conservative Portfolio...

More information

What is an Investment Adviser?

What is an Investment Adviser? What is an Investment Adviser? Legal Definition. Investment adviser is a legal term that appears in the Investment Advisers Act of 1940, the federal law that governs investment advisers. Generally, this

More information

10 STEPS TO A GREAT INVESTMENT PORTFOLIO

10 STEPS TO A GREAT INVESTMENT PORTFOLIO 10 STEPS TO A GREAT INVESTMENT PORTFOLIO T he best portfolio is the one that accomplishes your long-term financial goals with as little risk as possible. We have outlined the 10 steps that we follow at

More information

SUN LIFE FINANCIAL. Crafted with plan members in mind. For institutional use only

SUN LIFE FINANCIAL. Crafted with plan members in mind. For institutional use only SUN LIFE FINANCIAL Granite TM multi-risk target date funds Crafted with plan members in mind For institutional use only Sun Life Financial Granite multi-risk Target Date Funds Crafted with plan members

More information

Portfolio Management Consultants Perfecting the Portfolio

Portfolio Management Consultants Perfecting the Portfolio Portfolio Management Consultants Perfecting the Portfolio Envestnet PMC is the ultimate advisor to the advisor. Our goal is to help advisors strengthen relationships with their clients and improve outcomes

More information

Specialized Content for Investment Advisors Marketing Tools

Specialized Content for Investment Advisors Marketing Tools Specialized Content for Investment Advisors Marketing Tools Table of Contents INTRODUCTION... 2 OUR APPROACH... 2 What we will do for you: Understand, Plan, Act and Monitor... 3 THE NATIONAL BANK FINANCIAL

More information

SEI Income Portfolio. Investment Policy Statement

SEI Income Portfolio. Investment Policy Statement SEI Income Portfolio Investment Policy Statement INTRODUCTION An Investment Management Program will determine the right mix of investments for your personal situation in order to meet your long-term investment

More information

Getting the Most Out of Your Investment Committee

Getting the Most Out of Your Investment Committee Getting the Most Out of Your Investment Committee August 2011 Campion Wealth Management 1934 Old Gallows Road, Suite 402 Vienna, Virginia (703) 848-0344 www.campionwealth.com Who We Are and What We Do

More information

Stonegate Wealth Management. Registered Investment Advisor 17-17 Route 208 Fair Lawn, N.J. 07410 (201) 791-0085 www.stonegatewealth.

Stonegate Wealth Management. Registered Investment Advisor 17-17 Route 208 Fair Lawn, N.J. 07410 (201) 791-0085 www.stonegatewealth. Stonegate Wealth Management Registered Investment Advisor 17-17 Route 208 Fair Lawn, N.J. 07410 (201) 791-0085 www.stonegatewealth.com Stonegate Wealth Management $200 Million in assets under management.

More information

Experienced Investment Advisors Overview

Experienced Investment Advisors Overview Experienced Investment Advisors Overview experience. driven. On behalf of the Executive and Management of PI Financial Corp. (PI), I would like to thank you for considering our firm for your Investment

More information

Wealth Management Solutions

Wealth Management Solutions Wealth Management Solutions Invest in the Future Life has significant moments. Making sure you re prepared for them is important. But what can you do when the pace of your life leaves you little time to

More information

(a) Apply generally accepted investment theories that take into account the historic returns of different asset classes over defined periods of time;

(a) Apply generally accepted investment theories that take into account the historic returns of different asset classes over defined periods of time; Yes. Since 1998, Financial Engines has provided online advice to individuals in defined contribution plans, and since 2001, we have provided advice on all tax-deferred and taxable account types (including

More information

THE SMSF ESSENTIALS GUIDE. The ultimate starter guide to setting up, running and effectively using a Self Managed Superannaution Fund

THE SMSF ESSENTIALS GUIDE. The ultimate starter guide to setting up, running and effectively using a Self Managed Superannaution Fund THE SMSF ESSENTIALS GUIDE The ultimate starter guide to setting up, running and effectively using a Self Managed Superannaution Fund DISCLAIMER The purpose of this e-book is to provide information and

More information

BNY Mellon Wealth Management. For more information please contact Brenda Travaglini at 617-722-7115 or Brenda.Travaglini@bnymellon.com.

BNY Mellon Wealth Management. For more information please contact Brenda Travaglini at 617-722-7115 or Brenda.Travaglini@bnymellon.com. BNY Mellon Wealth Management For more information please contact Brenda Travaglini at 617-722-7115 or Brenda.Travaglini@bnymellon.com. BNY Mellon LEADERSHIP BNY Mellon: A Global Leader Leading global provider

More information

RAYMOND JAMES (USA) LTD.

RAYMOND JAMES (USA) LTD. Statement of Financial Condition RAYMOND JAMES (USA) LTD. KPMG LLP Chartered Accountants PO Box 10426 777 Dunsmuir Street Vancouver BC V7Y 1K3 Canada Telephone (604) 691-3000 Fax (604) 691-3031 Internet

More information

CREATING CONDITIONS FOR SUCCESS CREATING CONDITIONS FOR SUCCESS 01

CREATING CONDITIONS FOR SUCCESS CREATING CONDITIONS FOR SUCCESS 01 CREATING CONDITIONS FOR SUCCESS CREATING CONDITIONS FOR SUCCESS 01 " Connor, Clark & Lunn Financial Group brings together the talents of nine diverse investment teams in a multi-boutique structure. Together,

More information

The path to financial independence. SM. Wealth Management Services

The path to financial independence. SM. Wealth Management Services The path to financial independence. SM Wealth Management Services 1 st Portfolio s integrated services featuring Wealth Connect TM are custom-built to address the unique needs of wealthy individuals and

More information

Finding the Right Investment Advisor: Key Questions Pilots Need to Ask Now

Finding the Right Investment Advisor: Key Questions Pilots Need to Ask Now Finding the Right Investment Advisor: Key Questions Pilots Need to Ask Now At Cleary Gull, we think the best way to find the right investment advisor is to focus on the four Ps: people, philosophy, process

More information

Private Client Group

Private Client Group Private Client Group Our Commitment to You On behalf of our clients, Sterling Capital Management strives to: Deliver strong investment performance and exceptional service Foster a work environment built

More information

Personal Capital Advisors Corporation

Personal Capital Advisors Corporation Form ADV Part 2A Appendix 1 Personal Capital Advisors Wrap Fee Program Brochure Personal Capital Advisors Corporation 500 Howard Street, Suite 400 San Francisco, CA 94105 855-855- 8005 www.personalcapital.com

More information

SAMPLE INVESTMENT POLICY STATEMENT

SAMPLE INVESTMENT POLICY STATEMENT SAMPLE INVESTMENT POLICY STATEMENT 2003 Prepared by: Jay D. Ahlbeck, CLU, ChFC JDA & Associates Securities and Advisory Services offered through Mutual Service Corporation, a Registered Investment Advisor,

More information

Raffa Wealth Management s Qualified Plan due diligence process David Burgess, CFA, Senior Investment Manager

Raffa Wealth Management s Qualified Plan due diligence process David Burgess, CFA, Senior Investment Manager Raffa Wealth Management s Qualified Plan due diligence process David Burgess, CFA, Senior Investment Manager Introduction: Raffa Wealth Management believes that the key to a successful qualified plan are

More information

Firm Brochure (Form ADV Part 2A) 12610 N. Community Road, Suite 204 Charlotte, NC 28277 704-540-2500. www.independentadvisoralliance.

Firm Brochure (Form ADV Part 2A) 12610 N. Community Road, Suite 204 Charlotte, NC 28277 704-540-2500. www.independentadvisoralliance. Firm Brochure (Form ADV Part 2A) 12610 N. Community Road, Suite 204 Charlotte, NC 28277 704-540-2500 www.independentadvisoralliance.com October 21, 2015 This brochure provides information about the qualifications

More information

Glossary of Investment Terms

Glossary of Investment Terms online report consulting group Glossary of Investment Terms glossary of terms actively managed investment Relies on the expertise of a portfolio manager to choose the investment s holdings in an attempt

More information

Trust Services at Merrill Lynch. Estate Planning Services

Trust Services at Merrill Lynch. Estate Planning Services Trust Services at Merrill Lynch Estate Planning Services Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and

More information

Asset Management. Why Cidel? Our risk approach.

Asset Management. Why Cidel? Our risk approach. Asset Management Global Why Cidel? Our risk approach. At Cidel, our primary focus is managing risk. Our proactive risk approach ensures that as risks in the market change we manage these changes to help

More information

Mutual. Fund Families. Premier Program. Premier Program Team. Mutual Funds. Companies. Asset Classes. & Subadvisers

Mutual. Fund Families. Premier Program. Premier Program Team. Mutual Funds. Companies. Asset Classes. & Subadvisers Premier Program Mutual Fund Families Your Adviser Premier Program Team Investment Committee Research & Strategy Operations & Support The Foresters Advisory Services, LLC ( FAS ) Premier Mutual Fund Advisory

More information

How to Evaluate An Investment Advisor

How to Evaluate An Investment Advisor Key Questions to Ask an Investment Advisor Specially Prepared for Continental Airlines Pilots Nearing Retirement You have built a substantial retirement nest egg over the years. Soon, you can relax and

More information

Benefit from the Vanguard difference

Benefit from the Vanguard difference Benefit from the Vanguard difference Contents 2 About Vanguard 3 An enduring investment philosophy 4 A different way to invest 6 An indexing leader 7 A trusted partner for advisors in Canada 8 Contact

More information

FORM ADV PART 2 Brochure

FORM ADV PART 2 Brochure FORM ADV PART 2 Brochure Guardian Wealth Management, Inc. 311 SW Water Street Suite 210 Peoria, IL 61602 309/692 1460 Email: info@gwmanagers.com Website: www.gwmanagers.com March 31, 2015 This brochure

More information

ALI-ABA Course of Study Investment Adviser Regulation. January 26, 2007 Washington, D.C. WRAP Fee Programs: New Challenges in a Familiar Framework

ALI-ABA Course of Study Investment Adviser Regulation. January 26, 2007 Washington, D.C. WRAP Fee Programs: New Challenges in a Familiar Framework 325 ALI-ABA Course of Study Investment Adviser Regulation January 26, 2007 Washington, D.C. WRAP Fee Programs: New Challenges in a Familiar Framework By Michael B. Koffler Sutherland Asbill & Brennan LLP

More information

Canada s Leading Wealth Management Team for the Tennis Community

Canada s Leading Wealth Management Team for the Tennis Community Canada s Leading Wealth Management Team for the Tennis Community London Office 255 Queens Ave., One London Place London ON N6A 5R8 Phone: 519 640-7600 Website: www.crossfinancialgroup.ca Cross Financial

More information

Investment Guide Funds offered through the Washington State Investment Board

Investment Guide Funds offered through the Washington State Investment Board Investment Guide Funds offered through the Washington State Investment Board Investing Overview Asset allocation 2 Two investment approaches 2 Build and Monitor 3 One-Step 3 Diversification 4 Trading restrictions

More information

LIFETIME WEALTH PORTFOLIOS LIFETIME WEALTH PORTFOLIOS. wealth management solutions LIFETIME WEALTH PORTFOLIOS. wealth management solutions

LIFETIME WEALTH PORTFOLIOS LIFETIME WEALTH PORTFOLIOS. wealth management solutions LIFETIME WEALTH PORTFOLIOS. wealth management solutions LIFETIME WEALTH PORTFOLIOS LIFETIME WEALTH PORTFOLIOS wealth management solutions LIFETIME WEALTH PORTFOLIOS wealth management solutions 1 WEALTH MANAGEMENT FOR LIFE Investing wisely for the future can

More information

Personal Wealth Management

Personal Wealth Management Personal Wealth Management Integrated Wealth Management Multi Generational Wealth Planning Retirement Plan Solutions Personalized Wealth Management AspenCross Financial Group (AFG) personal wealth management

More information

Portfolio Management for institutional investors

Portfolio Management for institutional investors Portfolio Management for institutional investors June, 2010 Bogdan Bilaus, CFA CFA Romania Summary Portfolio management - definitions; The process; Investment Policy Statement IPS; Strategic Asset Allocation

More information

Fiduciary Management. What it should deliver to your fund

Fiduciary Management. What it should deliver to your fund Fiduciary Management What it should deliver to your fund The Concept Fiduciary Management is a comprehensive investment management service which enables institutional investors to realise their strategic

More information

401k Retirement Plan Consulting

401k Retirement Plan Consulting 401k Retirement Plan Consulting Scott F. Teich 2255 Glades Rd #120a Boca Raton, FL 33431 727-567-5320 scott.teich@raymondjames.com www.teichwealth.com Objectives of This Presentation The purpose of this

More information

LOCAL CHURCH ADDENDUM TO THE STATEMENT OF INVESTMENT GUIDELINES

LOCAL CHURCH ADDENDUM TO THE STATEMENT OF INVESTMENT GUIDELINES LOCAL CHURCH ADDENDUM TO THE STATEMENT OF INVESTMENT GUIDELINES The Investment Committee of the General Council on Finance and Administration Adopted by The General Council on Finance and Administration

More information

CLIENT RELATIONSHIP DISCLOSURE STATEMENT

CLIENT RELATIONSHIP DISCLOSURE STATEMENT A. INTRODUCTION CLIENT RELATIONSHIP DISCLOSURE STATEMENT Securities legislation in Canada requires Deans Knight Capital Management Ltd. ( Deans Knight or the firm ) to provide you with certain information

More information

A DIFFERENT APPROACH TO EQUITY INVESTING Sprott Enhanced Equity Strategy

A DIFFERENT APPROACH TO EQUITY INVESTING Sprott Enhanced Equity Strategy A DIFFERENT APPROACH TO EQUITY INVESTING Sprott Enhanced Equity Strategy John Wilson takes a different approach to equity investing John Wilson joined Sprott in January 2012 as Senior Portfolio Manager

More information

The Sharp Wealth Management Team

The Sharp Wealth Management Team The Sharp Wealth Management Team Michael began his career in the investment industry in 1993 after graduating from Memorial University with a Bachelor of Commerce degree. Recognizing his passion for the

More information

Investment Policy Questionnaire

Investment Policy Questionnaire Investment Policy Questionnaire Name: Date: Ferguson Investment Services, PLLC Investment Policy Questionnaire Introduction: The information you provide on this questionnaire will remain confidential.

More information

universal life UNIVERSAL LIFE INVESTOR PROFILER QUESTIONNAIRE

universal life UNIVERSAL LIFE INVESTOR PROFILER QUESTIONNAIRE universal life UNIVERSAL LIFE INVEST PROFILER QUESTIONNAIRE UNIVERSAL LIFE INVEST PROFILER QUESTIONNAIRE Universal life combines the benefits of cost-effective life insurance protection with tax-advantaged

More information

PRIVATE CLIENT FOR ADVISOR USE ONLY

PRIVATE CLIENT FOR ADVISOR USE ONLY S U N L I F E G L O B A L I N V E S T M E N T S PRIVATE CLIENT I L L U M I N A T I N G FOR ADVISOR USE ONLY A NEW LIGHT. A FRESH APPROACH. AFFLUENT CLIENTS WANT A FRESH APPROACH T O INVESTING Affluent

More information

CHOOSING YOUR INVESTMENTS

CHOOSING YOUR INVESTMENTS CHOOSING YOUR INVESTMENTS FOR ASSISTANCE GO ONLINE For more information on your retirement plan, investment education, retirement planning tools and more, please go to www.tiaa-cref.org/carnegiemellon.

More information

Private Client Group. Washington DC Alexandria VA Los Angeles CA Fort Lee NJ

Private Client Group. Washington DC Alexandria VA Los Angeles CA Fort Lee NJ The conversation between client and advisor is the heart of our firm; all that we do must be borne of and nourish that relationship. - Augustine Hong, CEO Private Client Group Washington DC Alexandria

More information

You, Your Advisor & Retirement Management Systems

You, Your Advisor & Retirement Management Systems Savings Plan Management An asset allocation and rebalancing program for your company-sponsored retirement account. You, Your Advisor & Retirement Management Systems Saving for Retirement Through Your Employer-Sponsored

More information

Investment Portfolio Management and Effective Asset Allocation for Institutional and Private Banking Clients

Investment Portfolio Management and Effective Asset Allocation for Institutional and Private Banking Clients Investment Portfolio Management and Effective Asset Allocation for Institutional and Private Banking Clients www.mce-ama.com/2396 Senior Managers Days 4 www.mce-ama.com 1 WHY attend this programme? This

More information

Discover TD Waterhouse. Investment and wealth management for every stage of your life

Discover TD Waterhouse. Investment and wealth management for every stage of your life Discover TD Waterhouse Investment and wealth management for every stage of your life Welcome to TD Waterhouse Everyone at TD Waterhouse* is committed to helping you reach your financial goals. Whether

More information

Capabilities Presentation

Capabilities Presentation PRESENTED TO: Capabilities Presentation Scott J. Horowitz, CRPC, WMS Senior Vice President, Investments Wealth Management Specialist scott.horowitz@raymondjames.com Shelly E. DeLucas Senior Registered

More information

Diversified Managed Allocations

Diversified Managed Allocations Diversified Managed Allocations Multi-strategy portfolios with a focus on flexibility Is this program right for you? DMA is designed for investors who: Want experienced, professional money managers to

More information

Good Practice Checklist

Good Practice Checklist Investment Governance Good Practice Checklist Governance Structure 1. Existence of critical decision-making bodies e.g. Board of Directors, Investment Committee, In-House Investment Team, External Investment

More information

G&G Planning Concepts, Inc. Part 2A of Form ADV The Brochure

G&G Planning Concepts, Inc. Part 2A of Form ADV The Brochure G&G Planning Concepts, Inc. Part 2A of Form ADV The Brochure 9 East 40 th Street, 15 th Floor, New York, NY 10016 www.gassmanfg.com Updated: March 28, 2014 This brochure provides information about the

More information

BRINKER CAPITAL OVERVIEW. Helping You Invest with Confidence

BRINKER CAPITAL OVERVIEW. Helping You Invest with Confidence BRINKER CAPITAL OVERVIEW Helping You Invest with Confidence PARTIALLY INVESTED PERIODIC INVESTMENT FULLY INVESTED Unwavering Focus on Investment Excellence For more than 25 years, Brinker Capital has been

More information