The right plan is the one that can accomplish what matters to you. Dominique Vincent, MBA, CIM Vice President, Portfolio Manager

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1 The right plan is the one that can accomplish what matters to you. Dominique Vincent, MBA, CIM Vice President, Portfolio Manager

2 A clear and simple financial plan: the key to peace of mind. Your family has its own dynamic. More importantly, the notion of risk and safety varies from one member to another. When turning to a wealth professional for advice, the biggest challenge can be finding answers that are personally relevant and not packaged for broad usage. Beyond market expertise and sound investment principals, you are looking for a clear and simple path a path that respects your core values. Your priorities should drive your plan. It is for this reason that I believe in offering advice that is specifically tailored to your situation and the elements that are non-negotiable in your life. Having such a customized approach to investing and planning requires a thorough understanding of your personal, professional and financial situation. Experience must be combined with knowledge to develop a plan that is relevant today and can be adapted as your life changes. The Human Factor I understand that circumstances differ from one individual to the next, even within the same family. This is what I call the Human Factor and, in managing family trusts and corporate accounts, I bring to the table the ability to reconcile it with the more quantitative aspects of finance. I help reach a consensus by respecting individual views, so that both assets and expectations can be properly managed.

3 Your Vision. Your Plan. Are you concerned about outliving your investments? Are you considering ways to protect your loved ones while maintaining your lifestyle? My role as a Portfolio Manager is to provide a framework for your overall vision by bringing discipline and structure to the development of a customized portfolio. As your life evolves, I can rely on our network of professionals to work solely for your best interests and provide solutions that match your evolving needs. As a team, we help coordinate your investment, estate and wealth planning into efficient steps toward your goals and long-term aspirations. Our specialized wealth management services include: Customized portfolio design Retirement and income planning Education funding Tax-efficient investing and planning Estate planning and estate settlement Intergenerational transfer of wealth Corporate and personal cash flow management Charitable giving strategies Information sessions for the next generation When investing, plan don t improvise. PHASE 1 Your Vision Accumulation Set goals Identify non-negotiable elements Revenues versus liabilities Growth Strategic asset allocation Tax efficiencies Capital preservation Manage risk Lower volatility Distribution Income needs Income splitting strategies Wealth transfer strategies Family protection Insurance strategies Will and power of attorney Your legacy PHASE 1 YOUR VISION Wealth Plan Building PHASE 2 YOUR PLAN PHASE 2 Your PLan Identify liquidity requirements Identify tax efficiencies Establish risk tolerance profile Establish strategic allocation of funds between investment vehicles Cash, RRSP, IPP, TFSA, Corporate, Trust, RESP Determine asset allocation Build portfolio Monitor Monthly reports and annual assessments Ongoing communication on markets and life changes Punctual plan adjustments

4 Partnering with 3Macs One belief has carried us through time. From the very beginning, our founders believed that matters of finance are highly personal and deserve an equally personal service. That was true in 1849 and it is still true today. By avoiding the conflict of interest that results from product incentives, 3Macs gives me the freedom to serve my clients with unbiased advice. Alongside our wealth planning services, I offer investing through discretionary or non-discretionary fee-based or transaction-based platforms. To learn more about 3Macs, please visit Together, we will identify the approach that suits you best. The Human Factor Planning for the future is important, but it must respect your current circumstances. At times, it may be best to favour lowering debt to maximizing your TFSA or RRSP. Before I even think about investing, I work with my clients towards strategies that are flexible and that meet their concerns.

5 Dominique Vincent, MBA, CIM Vice President, Portfolio Manager Further to my role as a Portfolio Manager, I see myself as a gatekeeper, managing risk and providing solutions to suit your unique profile. MacDougall, MacDougall & MacTier Inc. Place du Canada, Suite de la Gauchetière Street West Montréal, Québec H3B 4J1 MacDougall, MacDougall & MacTier Inc., Member Canadian Investor Protection Fund. 3Macs is a trademark of MacDougall, MacDougall & MacTier Inc. Used under license by MacDougall, MacDougall & MacTier Inc. Copyright All rights reserved.