Global Wealth Management

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1 Global Wealth Management

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3 RBC: A Global Leader with a Proud Canadian Heritage Royal Bank of Canada provides personal and commercial banking, wealth management services, insurance, corporate and investment banking and treasury and investor services on a global basis. The rich history of RBC dates back almost 150 years, when it was chartered as a bank in Halifax, Nova Scotia, Canada. By 1901, RBC had established branches coast to coast in Canada, and by 1925 had expanded to provide services to clients internationally. RBC has continued its expansion into the 21st century as a leading global bank with operations in over 40 countries. About RBC n Canada s largest bank and among the largest banks in the world based on market capitalization (June 4, 2015) n Global Retail Bank of the Year (Retail Banker International May 2015) n Named in the top 10 of the Safest Banks in North America and among the World s 50 Safest Banks (Global Finance Magazine November 2014) n One of the Top 100 Most Valuable Global Brands (2015 BrandZ Annual Most Valuable Global Brands ranking) n Approximately 78,000 full and part time employees serve more than 16 million clients in over 40 countries worldwide n Committed to environmental and watershed protection in communities worldwide through the 10-year, C$50 million RBC Blue Water Project GLOBAL WEALTH MANAGEMENT 3

4 RBC Wealth Management For over a century, RBC Wealth Management has provided trusted advice and wealth management solutions to individuals, families, institutions and charitable foundations. By choosing us, you are ensuring that you benefit from the financial stability and strength of a truly global institution entrusted with US$1.2 trillion in client assets. Our offices are located in major financial centres around the world, in regions recognized for the security they provide our clients and for the integrity of their financial and regulatory systems. About RBC Wealth Management n One of the world s top 5 largest wealth managers (Scorpio Partnership Global Private Banking Benchmark 2014) n Ranked Best Private Banking Services Overall for Canada and Jersey (2015 Euromoney Private Banking and Wealth Management Survey) n Leading global provider of international trust solutions n Century-long history in the United Kingdom n Top 25 Most Admired Company 2015 (Private Client Practitioner) n More than 12,000 employees serve the needs of our clients globally Our Core Values and Responsibilities We consider our corporate responsibility to include: n Ethical practices n Having a positive economic impact n Operating with integrity n Environmental sustainability Our principled corporate culture is defined through our values of service, teamwork, responsibility, diversity and integrity. These values are reflected through the trusted relationships we build with our clients and how we conduct our business. 4 RBC WEALTH MANAGEMENT

5 Leveraging the Strengths of RBC We are honoured that so many of the world s wealthy individuals, families and institutions trust us to manage their wealth. We believe this to be a reflection of our proven wealth management capabilities and expertise. We know that the fiscal strength and stability of RBC inspires confidence and this, alongside our time-tested approach to building relationships with our clients is what sets us apart. We understand what is important to you the success of your family, your personal aspirations, and the legacy you want to leave to the world. Wherever you are based, you can look forward to working with a wealth manager who speaks your language and respects your culture. This professional will be your point of contact, providing access to the resources and expertise you require to meet your wealth management needs. Our approach to managing your wealth starts with investing time to ensure we understand your needs and we work with you to develop a wealth plan to help realize your life vision, through a business philosophy based on transparency, consistency, discretion and trust. Wealth Planning Our wealth planning process helps to clarify and prioritize your overall objectives in the creation of your wealth, its use during your lifetime and the distribution and transfer of wealth among your beneficiaries. Our integrated approach to managing your wealth evaluates implications across disciplines and jurisdictions in the delivery of your comprehensive wealth management strategy. As you explore opportunities across a range of global markets, we ensure that every aspect of your financial, investment, estate planning and business needs are addressed. CASH M ANAGEMENT B ANKING & Our Integrated Approach to Managing Your Wealth CORPORATE SOLUTIONS STAY ING ON TR ACK UNDERSTANDING NEEDS INTEGRATED WEALTH MANAGEMENT TA K ING ACTION INVESTMENT MANAGEMENT CREATING STRATEGY TRUST & FIDUCIARY SERVICES C REDIT & FINANCING GLOBAL WEALTH MANAGEMENT 5

6 Managing Your Wealth Meeting your investment needs and preferences Choosing your approach to the ongoing management of your investments is an important decision. Where permitted, RBC Wealth Management offers both advisory and discretionary services based on your desired level of involvement in the day-to-day decisions affecting your portfolio. Your Approach to Investment Management Should you choose more than one investment approach, your wealth manager will ensure that the strategies are complementary and that your wealth is properly diversified by asset class, currency and geography. Whichever approach is the right one for you, RBC Wealth Management will provide the solutions and support most relevant to your needs. Advisory Investment Services n Have direct involvement in the ongoing decisions affecting your investment portfolio. n Benefit from personalized, timely and relevant advice and recommendations; however, the investment decisions affecting your portfolio will ultimately be your own. n Receive top-rated RBC and independent third-party research. n Stay up to date on issues affecting your portfolio, including market opportunities and fluctuations, with frequent communication. Discretionary Investment Services n Gain freedom from the day-to-day decisions involved in managing your investment portfolio. This may be beneficial if you travel frequently or have work or lifestyle commitments that prevent you from being actively involved in your portfolio management. n Work with one of our wealth managers to develop a customized investment strategy specifying how your portfolio should be managed. We will implement this strategy on your behalf and manage your portfolio to ensure it remains aligned with your objectives. n Benefit from a professional, disciplined approach to portfolio construction and implementation that leverages the research and support available throughout RBC Wealth Management, as well as through independent third-party money managers, as applicable. n Feel confident that your investment strategy is being implemented as desired, with regular communication and reporting. n Regularly review your investment strategy with your wealth manager to ensure that it remains accurate. The value of investments may fall as well as rise. You may not get back the full amount that you originally invested. Clients investing through certain RBC Wealth Management businesses, including specifically RBC Wealth Management-UK, should note that our core Investment Advisory service and our Discretionary Investment Management service are offered on a restricted basis. In such cases, we offer advice on limited types of products (which we offer from a limited number of companies) aligned to our areas of expertise. Discretionary Investment Management utilizes a restricted panel of investment managers and offers discretionary management in a restricted range of funds and fixed income products. In addition, clients receiving Wealth Structuring advice through RBC Wealth Management-UK should note that such advice is offered on an independent basis. In such cases, we will advise and make a recommendation to you after we have assessed your needs. We offer advice on products and services from a selected panel of providers having reviewed the whole market. The panel of providers have been selected as the most suitable options for our clients. 6 RBC WEALTH MANAGEMENT

7 An Introduction to RBC Global Asset Management RBC Global Asset Management (RBC GAM) is the asset management division of RBC. The RBC GAM group of companies provides a comprehensive range of global investment management services and solutions to individual, high net worth and institutional investors through investment products such as mutual funds, exchange-traded funds, hedge funds, pooled funds, separate accounts and specialty investment strategies. RBC GAM has expanded its capabilities and offerings in recent years through the addition of Phillips, Hager & North Investment Management in 2008 and BlueBay Asset Management in With more than 1,300 employees in offices across Canada, the United States, Europe, and Asia, RBC GAM manages more than US$380 billion in assets on behalf of clients worldwide (as at April 30, 2015). GLOBAL WEALTH MANAGEMENT 7

8 Managing Your Wealth Focused on integrating all the financial aspects of your life At RBC Wealth Management, our client-focused, integrated approach ensures that you will receive a comprehensive set of wealth solutions that address all your specific financial requirements. Banking and Cash Management Providing Convenient Access to Your Wealth Whether you are pursuing business opportunities in one part of the world one month and vacationing with your family in another part the next, our suite of banking services denominated in major world currencies will facilitate your movement around the globe. RBC Wealth Management has a long history of meeting the specialized private banking needs of individuals and families, including expatriates, foreign nationals, people living abroad and those with dual citizenship. International private banking services of RBC Wealth Management include: n Flexible and secure access to your accounts while you are abroad. n Foreign exchange services in most major currencies. n Accounts in multiple jurisdictions. n Highly customized cash management solutions for investment, business or personal travel purposes, wherever and whenever you need them the most. Credit and Financing Building Your Wealth Through Strategic Borrowing For many high net worth individuals, families and businesses, credit is a strategic wealth management tool. Well-considered, appropriately structured credit arrangements can play a significant role in helping you continue to build or maintain your wealth. A global team of RBC Wealth Management credit specialists can help you to: n Create customized credit solutions for you and your family, as well as any related businesses, limited partnerships or trusts. n Select from a wide range of flexible solutions whether you are borrowing to invest globally, manage cash flow or finance significant purchases such as real estate. Multi-Jurisdictional Trust and Fiduciary Services Protecting and Transferring Your Wealth Trusts are often the cornerstone of an effective plan for an estate that encompasses the ownership and management of diverse assets. Whether you are looking to pass on your wealth safely and thoughtfully to the next generation or create a greater degree of discretion around family affairs, we will help ensure that your estate is properly structured and protected for the benefit of your family and beneficiaries. As one of the world s largest trust services providers, working from many of the world s top-tier financial centres, we offer: n Multi-jurisdictional planning and cross-border tax awareness. n A long and successful history of working with lawyers, accountants and other advisors. n Administration of a wide range of trusts and other estate planning solutions. Business Solutions Meeting the Needs of Your Organization Integrating your business interests appropriately is important in your overall wealth planning strategy. To complement our individual client solutions and services, our corporate and institutional specialists provide access to a wide range of customized solutions for the complex requirements of global institutions. Among others, these include fund administration, global custody and captive insurance and fund-related banking and credit solutions. 8 RBC WEALTH MANAGEMENT

9 An Introduction to RBC Capital Markets RBC Capital Markets is a premier investment bank that provides a focused set of products and services to corporations, institutional investors and governments around the world. With more than 7,100 professionals, we operate out of 70 offices in 15 countries across North America, the United Kingdom, Europe and the Asia-Pacific region. We work with clients in over 100 countries around the globe to deliver the expertise and execution required to raise capital, access markets, mitigate risk and acquire or dispose of assets. According to Bloomberg and Dealogic, we are consistently ranked favourably among the largest global investment banks. GLOBAL WEALTH MANAGEMENT 9

10 We Invite You to Discover the Wealth in Our Approach From delivering personalized wealth management strategies and implementing customized solutions, to keeping you informed of progress along the way, RBC Wealth Management is beside you every step of your journey. Day by day, year after year, we apply our insight, global expertise and resources to help you realize your unique goals and aspirations, exceeding expectations and transcending generations. It is this unwavering commitment that has enabled us to build relationships with our clients that stand the test of time. We invite you to discover the wealth in our approach. To learn more, please contact your RBC Wealth Management representative. Or visit rbcwealthmanagement.com This brochure has been issued by Royal Bank of Canada on behalf of RBC companies that comprise the RBC Wealth Management network. RBC Wealth Management is the global brand name for the wealth management businesses of Royal Bank of Canada and its affiliates. Royal Bank of Canada is primarily regulated by the Office of the Superintendent of Financial Institutions in Canada, and (along with its subsidiaries and affiliates) is also supervised by additional regulatory entities in Canada and elsewhere. You should carefully read any risk warnings and regulatory disclosures in this brochure or any other literature enclosed with this brochure or forwarded to you by Royal Bank of Canada, its subsidiaries or affiliates. Some of the services detailed in this brochure are not offered in all jurisdictions and may not be available to you. This document does not constitute (i) an invitation to buy or the solicitation of an offer to sell securities or (ii) an offer to sell any other products and services in any jurisdiction to any person to whom it is unlawful to make such an invitation, solicitation or offer in such jurisdiction. Products and services described in this brochure may be provided by a variety of Royal Bank of Canada offices, subsidiaries and affiliates, either independently or acting together, operating in a number of different jurisdictions. [With specific regard to brokerage services, such services may be provided by RBC Capital Markets, LLC (member FINRA, NYSE, SIPC) in the United States and RBC Dominion Securities Inc. (Member Canadian Investor Protection Fund) in Canada.] Therefore, the regulatory regime applicable to the delivery of a particular product or service including any investor protection or depositor compensation arrangements may well be different from that of your home jurisdiction. In particular, products and services that involve the transfer of currencies across national borders are necessarily subject to the foreign exchange and other laws of those jurisdictions, and will not be available where prohibited by such laws. Using borrowed money to finance the purchase of securities involves greater risk than using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the securities purchased declines. This brochure is intended as general information only, and is not intended as taxation, legal, investment or other professional advice. You should obtain independent professional advice particular to your individual circumstances. Consult with your financial advisor before making your investment decisions. Royal Bank of Canada, its affiliates and subsidiaries, and their officers, directors, employees and agents are not responsible for and will not be liable to you or anyone else for any damages whatsoever (including direct, indirect, incidental, special, consequential, exemplary or punitive damages) arising out of or in connection with your reliance on this brochure, even if Royal Bank of Canada, its affiliates or subsidiaries, or their officers, directors, employees or agents have been advised of the possibility of such damages. Investment management products and services described in this brochure are not deposits (unless expressly stated otherwise, and even then, only certain deposits are insured by the Canadian Deposit Insurance Corporation, the Federal Deposit Insurance Corporation, or similar deposit insurance institutions); may lose value; and are not subject to a bank guarantee. Past performance is not necessarily a guide to future performance, and any exposure to multiple currencies may cause additional fluctuation in the value of an investment. Trademarks used in this brochure include the LION & GLOBE Symbol, ROYAL BANK OF CANADA, RBC and RBC WEALTH MANAGEMENT which are trademarks of Royal Bank of Canada used by Royal Bank of Canada and/or by its subsidiaries under licence. / Trademark(s) of Royal Bank of Canada. Used under licence. 15_45_89940_009 WMP/15/JAN16/109/A 10 RBC WEALTH MANAGEMENT

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