PRIVATE CLIENT MANAGED PORTFOLIOS

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "PRIVATE CLIENT MANAGED PORTFOLIOS"

Transcription

1 PRIVATE CLIENT MANAGED PORTFOLIOS

2

3

4

5 To sim lif, reserve an enhance.

6 United Financial Private Client Managed Portfolios Your wealth is the cumulative result of your hard work, discipline, and astute management. Yet managing wealth can be as much of a challenge as achieving it. For peace of mind, you want your investments to continue growing. You want to enjoy your wealth to the fullest. For peace of mind, you are ready to consider the comprehensive wealth management services of United Financial Private Client Managed Portfolios, offered exclusively through Assante Wealth Management.

7 The many advantages of Private Client Managed Portfolios The Private Client Managed Portfolios program is a complete wealth management solution that integrates investment management with wealth planning and personalized advice for a comprehensive approach to managing your financial affairs. You benefit from: Customized portfolios unique to your needs Automatic rebalancing asset weightings automatically rebalanced to maintain your risk profile An Investment Policy Statement a written roadmap for your investments Comprehensive reporting an all-inclusive report that focuses on your complete portfolio Asset allocation diversification across 11 separate asset classes Integrated wealth planning access to our team of investment and wealth planning professionals A multi-manager approach a lineup of independent, world-class investment managers A strict investment mandate ensures managers continually meet their investment objectives and stay true to their discipline A personal Wealth Planning Report a comprehensive wealth plan encompassing financial analysis, risk management, tax and financial strategies and wealth transfer options Tax efficiency detailed tax reporting, fee disclosure and tax deductibility on open accounts 2

8 The United Financial Difference Through Private Client Managed Portfolios, United Financial offers a unique multi-disciplinary approach to managing your complex financial needs. While most other private client programs focus solely on investment management, we take a different approach. By integrating investment management, wealth planning and personalized attention in a single customized program, we help to simplify your financial affairs. How can t e a vise, i t e see ut a art. - Benjamin Franklin

9 The role of your Assante advisor Your Assante advisor is a skilled and trusted professional whose role is to simplify and guide you in the management of your personal finances and wealth. By understanding all of your financial and wealth management needs investment, tax, insurance, cash and debt management, retirement, and estate planning your Assante advisor can provide a cohesive and integrated approach. Client Advisor Your Assante advisor is your link to a broad range of resources and specialized expertise. Our team includes United Financial, a division of CI Private Counsel LP Investment Counsellors and wealth planning professionals who will work with your other professional tax, Custom Portfolio Construction Wealth Planning Investment Management accounting or legal advisors, as needed. Your Assante advisor is an effective partner who can leverage these resources in building and protecting Financial Analysis Risk Management Tax Planning Wealth Transfer your wealth. The result is completely customized, confidential private client service that you can trust.

10 The Investment Counselling Process Y Your private client experience at United Financial begins with the development of a personal investment 1 Setting objectives 2 Creating an Investment Policy Statement strategy unique to you. We examine your investment objectives and goals, liquidity needs, growth expectations, tolerance for risk, income requirements, investment time horizon, anticipated changes in lifestyle, tax considerations, and economic variables such as inflation and market volatility. Working with your advisor, you and one of our portfolio managers complete the Investor Profile Questionnaire. We will learn more about you and your family, what you want your investments to do for you, your tax situation, whether you ll be needing income or cash from your portfolio and how much risk you re comfortable assuming. Once you have set your objectives, the professionals at United Financial will create a detailed plan known as an Investment Policy Statement. Your Investment Policy Statement is your personalized investing profile. It details a plan for your customized portfolio. Your custom portfolio is built to offer the highest potential returns for the amount of risk you re willing to take, and is carefully managed to stay within these guidelines.

11 3 Determining 4 Implementation 5 Reporting & 6 Monitoring asset mix communication progress effectively Your portfolio is based on Your portfolio will be Every three months you A key component of strategic asset allocation, implemented using will receive a consolidated managing your portfolio is a long-term investment United Pools. World-class report on your portfolio making sure it stays within strategy that determines investment managers look documenting the value the asset mix outlined in the best asset mix for your after your portfolio and are of your holdings, how much your investment policy portfolio. By diversifying selected from among the you have invested over the statement. We continuously across a balanced asset mix, industry s most seasoned, period, your personal rate of monitor your investments you are not dependent on proven professionals. We return, and other important and rebalance by buying any one manager, region optimize your portfolio information. Detailed tax and selling portions of your or asset class for your from a tax perspective, by reporting is provided on portfolio when necessary investment returns. This dividing your assets among a calendar-year basis for to keep your portfolio approach creates the most family accounts in the most individuals or customized on track with your plan. efficient portfolio for you. tax efficient way. to the fiscal year of your corporation or trust. 6

12 Strategically Engineered Portfolios O Our portfolio recommendations and solutions are supported by a widely recognized team of accredited investment analysts. Their expertise, along with our external managers, allows us to engineer portfolios tailored to your unique needs. We use our powerful research capabilities to identify and select independent, strong investment managers who are leading specialists in their field.

13 We make sure your portfolio remains true to your goals Rebalancing your portfolio Managing your portfolio for tax efficiency We continuously monitor your portfolio to ensure that your asset allocation remains appropriate. Over time, as different asset classes perform at different rates, your portfolio may deviate from your original asset allocation and may add more risk than you are prepared to take. We will rebalance your portfolio when necessary to make sure your investments stay within the guidelines set out in your investment policy statement. World-class investment managers We choose independent, world-class investment managers who undergo a rigorous screening process. We continually evaluate the investment managers against strict criteria to ensure that they adhere to their investment mandate. The managers must invest according to the specific investment approach for which they were hired and deliver consistent performance compared to their benchmark. We optimize your portfolio from a tax perspective, by dividing your assets among family accounts. All of your registered and non-registered accounts are viewed as a single portfolio, allowing us to strategically allocate your investments for the greatest tax efficiency. We ensure that heavily taxed investments are sheltered in registered plans or are held in accounts of family members who have a lower tax rate. Investments offering favourable tax treatment or tax deferral opportunities are placed in accounts of a higher income earner. To help minimize your tax bill, we manage your money differently than other firms. All your family s accounts are viewed as a single portfolio New deposits are allocated to asset classes in your portfolio that have recently underperformed Rebalancing only takes place when necessary, not according to a pre-set schedule. We consider the tax effects that may be triggered if your portfolio needs to be rebalanced. 8

14 The Wealth Planning Process At United Financial, we use a comprehensive, multi-disciplinary approach to wealth planning. Our 1 Setting expectations Wealth Planning Group will work with you and your advisor to create a professional, comprehensive wealth plan designed to preserve and enhance your wealth with effective tax, estate, and financial strategies. We work with you to understand your financial goals and objectives and establish expectations. Your Assante advisor and Investment Counsellor will gather the information they need to construct an effective plan. They can Our Wealth Planning Group includes investment analysts, accountants, lawyers, estate and insurance work with you or directly with your lawyer or accountant if you prefer. specialists and financial planners dedicated to delivering solutions to the unique and sometimes complicated situations you face. Together with your Assante advisor and Investment Counsellor, they work closely with you and your other professional advisors to deliver an exceptional private client experience.

15 2 Gathering 3 Wealth Planning 4 Recommendations 5 Monitoring & data Report periodic review To provide an accurate Your financial information Once we understand your Monitoring progress is an picture of your current is reviewed and analyzed financial goals, objectives important part of helping financial situation, as to assess your current net and current situation, you achieve your goals. Your well as your lifestyle worth and your financial, we identify appropriate Investment Counsellor and goals and plans for your risk management, tax financial, tax and estate one of our Wealth Planning estate, we compile all the minimization and estate planning strategies. We Consultants will meet with necessary information. planning needs. Before will guide you through your you on a regular basis to preparing the final report, customized wealth plan and review and revise your the data and underlying discuss the implications of planning strategies as your assumptions are validated each course of action, and financial situation or family by you and your advisor work with you and your circumstances change. to confirm that the lawyer or accountant information and the to implement the financial picture recommended strategies. are accurate. 10

16 Be well-invested F For more information about United Financia Private Client Managed Portfoliosl, please visit or speak to an Assante Wealth Management advisor. Private Client Managed Portfolios services are provided by United Financial, a division of CI Private Counsel LP ( United Financial ). United Financial provides portfolio management and investment advisory services as a registered advisor under applicable securities legislation. This document has been prepared for use by United Financial and is intended solely for information purposes. It is not a sales prospectus, nor should it be construed as an offer or an invitation to take part in an offer. Private Client Managed Portfolios are available exclusively through Assante Capital Management Ltd. (member CIPF), Assante Financial Management Ltd. and Stonegate Private Counsel. Commissions, trailing commissions, management fees and expenses may all be associated with investments in Private Client Managed Portfolios and the use of other services. Investment pools used in the portfolios are not guaranteed, their values change frequently and past performance may not be repeated. Please read the United Pools prospectus and consult your advisor before investing. United Financial and/or United Financial and design are trademarks of CI Investments Inc (12/09)

17

18 P lan to sim lif, reserve an enhance.

19 Our Goal Is to simplify and enhance the lives of our clients by serving as their financial advisor managing their assets and lifestyle needs from the day we begin our relationship with them, through succeeding generations.

20

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

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

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

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

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

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

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

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

A portfolio that matches your plans.

A portfolio that matches your plans. A portfolio that matches your plans. Amerivest Core Portfolios powered by Morningstar Associates Expert investment management Tailored portfolio recommendations Straightforward, competitive pricing Dedicated

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

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

Advisor Guide. For Advisor Use Only Not for distribution to clients

Advisor Guide. For Advisor Use Only Not for distribution to clients Advisor Guide For Advisor Use Only Not for distribution to clients Managed solutions can provide many benefits to your practice. Their convenience allows you to shift your time from portfolio construction

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

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

Private Wealth Solutions

Private Wealth Solutions INVESTOR GUIDE Private Wealth Solutions Preferred Pricing Private Wealth Pools Private Wealth Counsel Cultivating and preserving wealth in a world of accelerating change You have higher expectations, which

More information

Investment Consulting Service

Investment Consulting Service Investment Consulting Service The demands on your schedule may not allow time to manage your financial affairs. Professional management can help. Investment Consulting Service Table Of Contents The CIBC

More information

PH&N LifeTime Funds. Investment Guide

PH&N LifeTime Funds. Investment Guide Investment Guide PH&N LIFETIME FUNDS Your One-Fund Retirement Solution A Leading Global Asset Manager for Canadian Investors Established in 1964, Phillips, Hager & North Investment Management (PH&N IM)

More information

Investment Management Services

Investment Management Services Investment Management Services for Private Clients Comprehensive Investment Asset Management www.masoncompanies.com Mason Investment Advisory Services Investment Management Services for Private Clients

More information

5Strategic. decisions for a sound investment policy

5Strategic. decisions for a sound investment policy 5Strategic decisions for a sound investment policy 1 An investment policy sets your course for the long term. Managers of billion-dollar pension and endowment funds know it s nearly impossible to beat

More information

Financial Planning Relationship Disclosure

Financial Planning Relationship Disclosure Financial Planning Relationship Disclosure Thank you for choosing TD Wealth Financial Planning as your wealth management provider. At TD Wealth we are committed to helping our clients meet their financial

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

GOALS-BASED SHORT TERM PORTFOLIO Investment Policy Statement

GOALS-BASED SHORT TERM PORTFOLIO Investment Policy Statement GOALS-BASED SHORT TERM PORTFOLIO Investment Policy Statement The purpose of this document The purpose of this investment policy statement is to provide a framework for your investment plan. Through it

More information

Franklin Templeton SIMPLE IRA EMPLOYEE S GUIDE

Franklin Templeton SIMPLE IRA EMPLOYEE S GUIDE Franklin Templeton SIMPLE IRA EMPLOYEE S GUIDE Franklin Templeton SIMPLE IRA Roadmap to Retirement You ve been offered an opportunity to participate in a Franklin Templeton SIMPLE IRA (Savings Incentive

More information

Portfolio Presentation: Growth & Income and U.S. Diversified Equity

Portfolio Presentation: Growth & Income and U.S. Diversified Equity Portfolio Presentation: Growth & Income and U.S. Diversified Equity The above portfolios are available through the Morgan Stanley Portfolio Management program, managed by Portfolio Manager Bernard Semon

More information

PROTECTION PROTECTION VUL. Taking the right steps in planning for the future CONSUMER GUIDE

PROTECTION PROTECTION VUL. Taking the right steps in planning for the future CONSUMER GUIDE CONSUMER GUIDE PROTECTION PROTECTION VUL Taking the right steps in planning for the future JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK IM5237CG There are

More information

Your investment options

Your investment options Your investment options Contents Introducing RBC Global Asset Management i Serving Clients with a Winning Strategy i Investing Starts with Understanding Your Goals ii Guaranteed Investment Certificates

More information

INSTITUTIONAL TRUST & CUSTODY. Big Bank Capabilities, Mid-Market Focus SM. Investment Management

INSTITUTIONAL TRUST & CUSTODY. Big Bank Capabilities, Mid-Market Focus SM. Investment Management INSTITUTIONAL TRUST & CUSTODY Big Bank Capabilities, Mid-Market Focus SM Investment Management At U.S. Bank Institutional Trust & Custody, we are trusted investment advisors to corporations, municipalities,

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

SEGREGATED FUNDS. Savings and Retirement PIVOTAL SELECT TM. Investor Profile Questionnaire

SEGREGATED FUNDS. Savings and Retirement PIVOTAL SELECT TM. Investor Profile Questionnaire SEGREGATED FUNDS Savings and Retirement PIVOTAL SELECT TM Investor Profile Questionnaire Please answer the following uestions by choosing the option best suited to you. There are no right or wrong answers

More information

Personal Financial Plan

Personal Financial Plan Personal Financial Plan Pete and Carrie Mitchell 918 Richmond Street Toronto, Ontario M5N 1V5 Disclaimer This document has been prepared to assist in the analysis of your current financial position, thereby

More information

Mackenzie private wealth program. investor Guide

Mackenzie private wealth program. investor Guide Mackenzie private wealth program investor Guide securing your wealth As your financial wealth grows, new possibilities open up in investment strategy, cost effectiveness, tax and estate planning, and

More information

The journey to financial well-being starts with you.

The journey to financial well-being starts with you. TIAA-CREF Private Asset Management The journey to financial well-being starts with you. And the people you trust. What are your financial goals? What does financial well-being mean to you? What do you

More information

WELCOME TO STA Wealth Management

WELCOME TO STA Wealth Management WELCOME TO STA Wealth Management Since the founding of STA Wealth Management in 2002 by experienced financial industry executives in Houston, Texas, we have focused on delivering comprehensive portfolio

More information

Total 100% Performance - S Class. Top 25 Quarterly Holdings CONSERVATIVE MONTHLY INCOME FUND. Fund Volatility. Canadian Equity 13% Foreign Equity 17%

Total 100% Performance - S Class. Top 25 Quarterly Holdings CONSERVATIVE MONTHLY INCOME FUND. Fund Volatility. Canadian Equity 13% Foreign Equity 17% CONSERVATIVE MONTHLY INCOME FUND Performance as at July 31, 2016 Facts Inception Date: Feb 2009 Management Expense Ratio (MER): 1.72% Trading Expense Ratio (TER): 0.03% Expenses (Total Cost): 1.75% Net

More information

Investing 101. Small Steps Can Make a Difference. Investing 101. Investing 101

Investing 101. Small Steps Can Make a Difference. Investing 101. Investing 101 Small Steps Can Make a Difference Today s Agenda Saving vs. Investing Investment Basics: Cash Bonds Stocks Mutual Funds Asset Allocation 2 Today s Agenda What would you like to get out of today s session?

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

Advanced Support Services for Your Personal Portfolio

Advanced Support Services for Your Personal Portfolio P O R T F O L I O S U P P O R T S E R V I C E S Advanced Support Services for Your Personal Portfolio Advanced technology, investment research, and administrative services to support your advisor A Foundation

More information

A client s guide to world-class money management

A client s guide to world-class money management A client s guide to world-class money management A sophisticated, comprehensive investment program as unique as you are. CI Private Investment Management Managing your wealth effectively means more than

More information

Family Investment Partnerships BY KEVIN A. BORMANN MANAGING DIRECTOR, FAMILY OFFICE ADVISORY

Family Investment Partnerships BY KEVIN A. BORMANN MANAGING DIRECTOR, FAMILY OFFICE ADVISORY Family Investment Partnerships BY KEVIN A. BORMANN MANAGING DIRECTOR, FAMILY OFFICE ADVISORY Investment products and services are: NOT A DEPOSIT NOT FDIC INSURED MAY LOSE VALUE NOT BANK GUARANTEED NOT

More information

Keeping it Simple: White Paper. Lifestyle Funds: A Streamlined Approach

Keeping it Simple: White Paper. Lifestyle Funds: A Streamlined Approach Keeping it Simple: Lifestyle Funds for Retirement Planning Retirement investors who suspect that things are more complicated than they used to be can take heart from the findings of a new study by American

More information

Investment Planning Counsel

Investment Planning Counsel Investment Planning Counsel Client Information Booklet Relationship Disclosure & Other Information Please review and retain this booklet. Introduction Thank you for choosing to be a client of IPC Investment

More information

Are you ready to retire?

Are you ready to retire? Are you ready to retire? RETIREMENT PLANNING YOUR GUIDE TO THE FUTURE YOU WANT You ve been thinking about retirement for a while now. As the time approaches, this guide can help you address the key decisions

More information

FINANCIAL PLANNER METHODOLOGY

FINANCIAL PLANNER METHODOLOGY FINANCIAL PLANNER METHODOLOGY The MeDirect Planning Tools are online investment planning solutions that provide wealth forecasting and investment advice. Our Planning Tools offer you two investment planning

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

Partnering to build optimized investment portfolios

Partnering to build optimized investment portfolios Partnering to build optimized investment portfolios PARTNERS PRESENTATION How to Hire Investment Counsel Firms Presented by: Michael Korman B. Comm. FMA, FCSI Wealth Management Stages D E G R E E O F C

More information

The FundQuest Unified Managed Account

The FundQuest Unified Managed Account U N I F I E D M A N A G E D A C C O U N T The FundQuest Unified Managed Account A Simple and Powerful Managed Account Solution Offered by FundQuest, a leading managed account solutions provider A Powerful

More information

It s your retirement.

It s your retirement. MNDCP It s your retirement. Keep it on target. And keep it simple. 1 Click to learn more! Looking for an easier way to invest for retirement? With these three simple steps, you can save more, invest wisely

More information

Important Information about a Fund of Hedge Funds

Important Information about a Fund of Hedge Funds Robert W. Baird & Co. Incorporated Important Information about a Fund of Hedge Funds Fund of Hedge Fund Investing at Baird Baird offers eligible clients the opportunity to invest in funds of hedge funds

More information

Investment Services. Wealth and Investment Management

Investment Services. Wealth and Investment Management Investment Services Wealth and Investment Management Contents Important information 3 A better vantage point for a clearer picture 5 Investment Philosophy 7 Investment Services 9 Advisory Services 10 Discretionary

More information

expertise for nonprofit organizations

expertise for nonprofit organizations Vanguard Asset Management Services expertise for nonprofit organizations To help you manage and administer your organization s assets Contents Sharing our strengths: Benefits of a partnership with Vanguard

More information

Score. Stifel CONQUEST Portfolios. Research-Driven Portfolios PORTFOLIO STRATEGY EXCHANGE TRADED FUNDS. Ease of Diversification

Score. Stifel CONQUEST Portfolios. Research-Driven Portfolios PORTFOLIO STRATEGY EXCHANGE TRADED FUNDS. Ease of Diversification Stifel CONQUEST Portfolios PORTFOLIO STRATEGY The Washington Crossing Advisors Stifel CONQUEST Portfolios seek to add value by actively allocating assets among U.S. equities, bonds, commodities, and foreign

More information

LAKEPO NTE PREMIER. Structured Investment Program. Shore up your financial future

LAKEPO NTE PREMIER. Structured Investment Program. Shore up your financial future LAKEPO NTE PREMIER Structured Investment Program Shore up your financial future HORIZON TRUST & INVESTMENT MANAGEMENT A Proud & Rich Tradition of Trust & Investment Management Nestled on the shores of

More information

INVESTMENT PHILOSOPHY

INVESTMENT PHILOSOPHY INVESTMENT PHILOSOPHY Theoretical Underpinning and Practical Application of Investment Strategies Overview Benjamin Graham (founder of Value Investing and mentor to Warren Buffett) defines investing as

More information

Understanding RSPs. Your Guide to Retirement Savings Plans

Understanding RSPs. Your Guide to Retirement Savings Plans Understanding RSPs Your Guide to Retirement Savings Plans Getting Started Some retirement basics Getting Ahead Setting your retirement savings goals Getting the Most Maximizing your RSP growth Getting

More information

Financial Strategies for the 21st Century

Financial Strategies for the 21st Century 2 The Life Cycle 2 The Wealth Management Model 3 Putting the Pieces Together online report consulting group Strategies for the 21st Century summary a brief introduction to managing your wealth While individuals

More information

Mutual Funds Made Simple. Brighten your future with investments

Mutual Funds Made Simple. Brighten your future with investments Mutual Funds Made Simple Brighten your future with investments About Invesco Aim When it comes to investing, your sights are set on a financial summit a college diploma, new home or secure retirement.

More information

ZACKS INVESTMENT MANAGEMENT. Personalized Wealth Management INDEPENDENT. Research Thinking Results

ZACKS INVESTMENT MANAGEMENT. Personalized Wealth Management INDEPENDENT. Research Thinking Results ZACKS INVESTMENT MANAGEMENT Personalized Wealth Management INDEPENDENT Research Thinking Results ZACKS INVESTMENT MANAGEMENT HIGHLIGHTS: ZACKS INVESTMENT MANAGEMENT HAS A RESPECTED TRACK RECORD OF EXCEPTIONAL

More information

Multi-Asset. Not FDIC Insured May Lose Value No Bank Guarantee

Multi-Asset. Not FDIC Insured May Lose Value No Bank Guarantee Multi-Asset Not FDIC Insured May Lose Value No Bank Guarantee TAKING THE NEXT STEP You re working hard for your money. The next step is getting your money to work for you. Each of the three Franklin NextStep

More information

D ODGE & C OX. Private Client Group

D ODGE & C OX. Private Client Group D ODGE & C OX Private Client Group Since 1930, Dodge & Cox has managed assets on behalf of individuals and institutions through separately managed portfolios and mutual funds. We invest in equity and fixed

More information

MANAGER SELECT. live your. dream. By Implementing Sophisticated Investment Strategies

MANAGER SELECT. live your. dream. By Implementing Sophisticated Investment Strategies MANAGER SELECT live your dream By Implementing Sophisticated Investment Strategies Maximize the Value of Your Assets Your Total Wealth Management Strategy Full-time professional supervision Disciplined

More information

H&K Advisory Group BMO Nesbitt Burns. Sustainable wealth management goes the distance.

H&K Advisory Group BMO Nesbitt Burns. Sustainable wealth management goes the distance. H&K Advisory Group BMO Nesbitt Burns Sustainable wealth management goes the distance. Who We Are Our Team Our team, more than its individual members, defines us. We are a team of professionals who built

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

Chartered Financial Planners. Simplifying your financial life. EXPERT ADVICE. PROFESSIONALLY DELIVERED

Chartered Financial Planners. Simplifying your financial life. EXPERT ADVICE. PROFESSIONALLY DELIVERED Chartered Financial Planners. Simplifying your financial life. EXPERT ADVICE. PROFESSIONALLY DELIVERED 02 TIME TO ENJOY Through hard work and unique talent you have generated wealth. A relationship with

More information

Beginners Guide to Asset Allocation, Diversification, and Rebalancing

Beginners Guide to Asset Allocation, Diversification, and Rebalancing Beginners Guide to Asset Allocation, Diversification, and Rebalancing Even if you are new to investing, you may already know some of the most fundamental principles of sound investing. How did you learn

More information

BMO NESBITT BURNS. H&K Advisory Group. Sustainable wealth management goes the distance

BMO NESBITT BURNS. H&K Advisory Group. Sustainable wealth management goes the distance BMO NESBITT BURNS H&K Advisory Group Sustainable wealth management goes the distance Who We Are Our Team Our team, more than its individual members, defines us. We are a team of professionals who built

More information

WELCOME to THE ALDER FINANCIAL GROUP

WELCOME to THE ALDER FINANCIAL GROUP WELCOME to THE ALDER FINANCIAL GROUP How do I become financially independent? Over the years, one question seems to be asked repeatedly: How much money do I need to be wealthy? The answer to this question

More information

Plan for Your Future. Make It Happen. Morgan Stanley can help you achieve your financial goals.

Plan for Your Future. Make It Happen. Morgan Stanley can help you achieve your financial goals. Plan for Your Future. Make It Happen. Morgan Stanley can help you achieve your financial goals. What Are Your Hopes and Dreams? Regardless of what stage of life you re currently in moving ahead in your

More information

IRIS. Individual Retirement Investment Strategy

IRIS. Individual Retirement Investment Strategy IRIS Individual Retirement Investment Strategy Contents IRIS at a Glance...1 A Lifestyle Investment Strategy...2 Introducing IRIS...4 A straightforward approach to retirement planning IRIS follows three

More information

Vanguard Target Retirement Funds

Vanguard Target Retirement Funds Vanguard Target Retirement Funds Help your clients reach their retirement goals This document is directed at professional investors and should not be distributed to, or relied upon by, retail investors.

More information

Independent Advice for the Discerning Investor

Independent Advice for the Discerning Investor Independent Advice for the Discerning Investor or bleed WNA Wealth Advisors, Inc. Our Values WNA Wealth Advisors serves as our clients partner in investing, their advisor for life. Perform all duties with

More information

Managin. services. may be the. Choosing. advice you. than just their. giving. help them. this involves. including. firm, Winer.

Managin. services. may be the. Choosing. advice you. than just their. giving. help them. this involves. including. firm, Winer. 21243 Ventura Boulevard Suite 207 Woodland Hills, CA 91364 (818) 673-1695 Helping you build, protect and preserve wealth Managin ng Wealth in the 21 st Century Dear Prospective Client: Thank you for your

More information

HOMETOWN Financial Planning and Asset Management

HOMETOWN Financial Planning and Asset Management Part 2A of Form ADV: Firm Brochure HOMETOWN Financial Planning and Asset Management Terry Nelson, CFP TM MS 1957 Lake Street Roseville, MN 55113 terry@hometownfp.com www.hometownfp.com (651) 638-9428 Fax:

More information

Making the Case for Managed Accounts. For financial professional use only

Making the Case for Managed Accounts. For financial professional use only Making the Case for Managed Accounts For financial professional use only Case Study Findings Participants enrolled in our managed account service will see, on average, a 19% increase in projected annual

More information

The Role of Alternative Investments in a Diversified Investment Portfolio

The Role of Alternative Investments in a Diversified Investment Portfolio The Role of Alternative Investments in a Diversified Investment Portfolio By Baird Private Wealth Management Introduction Traditional Investments Domestic Equity International Equity Taxable Fixed Income

More information

Wealth Management. at Janney Montgomery Scott

Wealth Management. at Janney Montgomery Scott Wealth Management at Janney Montgomery Scott W e a l t h M a n a g e m e n t Janney Montgomery Scott understands that wealth like life is more than just an event. It is an ongoing process of growth 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

Irving Planning & Investments, Ltd.

Irving Planning & Investments, Ltd. Irving Planning & Investments, Ltd. 3333 South Wadsworth Blvd. Suite D320 Lakewood, CO 80227 303.985.4100 www.irvingplanning.com Disclosure Brochure July 18, 2013 This brochure provides information about

More information

Wealth Management. Why Wealth Management?

Wealth Management. Why Wealth Management? Why Wealth Management? Most of us have financial goals that require the accumulation of savings. Whether it is to create a retirement nest egg to cover expenses after we leave the workplace, to supplement

More information

Franklin Tax-Free Income Funds

Franklin Tax-Free Income Funds Tax-Free Income Franklin Tax-Free Income Funds INVEST WITH A TAX-FREE LEADER Franklin Templeton Investments Gain From Our Perspective At Franklin Templeton Investments, we re dedicated to one goal: delivering

More information

December 2014. Tax-Efficient Investing Through Asset Location. John Wyckoff, CPA/PFS, CFP

December 2014. Tax-Efficient Investing Through Asset Location. John Wyckoff, CPA/PFS, CFP John Wyckoff, CPA/PFS, CFP Your investment priorities are likely to evolve over time, but one goal will remain constant: to maximize your investment returns. Not all returns are created equal, however.

More information

ANNUITIES VARIABLE. MetLife Retirement Perspectives. asset allocation questionnaire

ANNUITIES VARIABLE. MetLife Retirement Perspectives. asset allocation questionnaire LINE BAN ANNUITIES VARIABLE MetLife Retirement Perspectives asset allocation questionnaire Asset Allocation Questionnaire The following questions will enable you to determine your time horizon and risk

More information

TIAA Individual Advisory Services. Personalized financial advice for every stage of life

TIAA Individual Advisory Services. Personalized financial advice for every stage of life TIAA Individual Advisory Services Personalized financial advice for every stage of life Personalized solutions for your financial independence Find an advisor today. Go to tiaa.org/ individualadvisoryservices

More information

CHOOSING YOUR INVESTMENTS. The State University of New York

CHOOSING YOUR INVESTMENTS. The State University of New York CHOOSING YOUR INVESTMENTS The State University of New York FOR ASSISTANCE GO ONLINE For more information on your retirement plan, investment education, retirement planning tools and more, please go to

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

ThoughtCapital. Strategic Diversification for a Lifetime Principal LifeTime Portfolios

ThoughtCapital. Strategic Diversification for a Lifetime Principal LifeTime Portfolios Strategic Diversification for a Lifetime Principal LifeTime Portfolios The Principal LifeTime portfolios were launched in response to participants increasing interest in having Do It For Me investment

More information

INVESTMENT MANAGEMENT. ADVICE.

INVESTMENT MANAGEMENT. ADVICE. db INVESTMENT MANAGEMENT. ADVICE. An introduction to DB Advisers. DOUGLAS BAGWELL & CO., LLC www.douglasbagwell.com Welcome to Douglas Bagwell Advisers Group A simple annual fee based on the assets you

More information

Merrill Lynch Mutual Fund Advisor INVESTMENTS

Merrill Lynch Mutual Fund Advisor INVESTMENTS Merrill Lynch Mutual Fund Advisor INVESTMENTS Merrill Lynch Mutual Fund Advisor (MFA) a discretionary investment advisory service managed by a dedicated portfolio management team offers investors customized

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

The Board of Trustees is responsible for the oversight of the investment operations of the Foundation. The Boards specific responsibilities are:

The Board of Trustees is responsible for the oversight of the investment operations of the Foundation. The Boards specific responsibilities are: STATEMENT OF INVESTMENT OBJECTIVES AND POLICIES FOR INVESTMENTS June 2016 This policy applies to funds invested by the Community Foundation of Utah (the Foundation ), including the Foundation s Endowments

More information

Your future starts today.

Your future starts today. Your future starts today. Life can be complicated. Saving for retirement doesn t have to be. Congratulations! You have the opportunity to participate in an employer-sponsored retirement program. Important

More information

MERCER SUPER INVESTMENT TRUST

MERCER SUPER INVESTMENT TRUST MERCER SUPER INVESTMENT TRUST PRODUCT DISCLOSURE STATEMENT 21 AUGUST 2014 Issued by Mercer Investments (Australia) Limited (MIAL), ABN 66 008 612 397, Australian Financial Services Licence #244385, as

More information

FIDUCIAN AUSTRALIAN SHARES FUND

FIDUCIAN AUSTRALIAN SHARES FUND PRODUCT DISCLOSURE STATEMENT FIDUCIAN AUSTRALIAN SHARES FUND ARSN 093 542 271 2 MARCH 2015 This Product Disclosure Statement (PDS) provides a summary of significant information about the Fiducian Australian

More information

Mutual Funds Basic Information About Mutual Funds

Mutual Funds Basic Information About Mutual Funds Saskatchewan Securities Commission Mutual Funds Basic Information About Mutual Funds The Saskatchewan Securities Commission regulates how securities are sold. Securities are investments such as shares,

More information

Client Relationship Document

Client Relationship Document Client Relationship Document What is the purpose of this document? The Canadian Securities Administrators, who govern our registration, require that we deliver to each of our existing and potential clients

More information

Financial Advisor Value Proposition Page 2. Financial Advisor Types Page 4. Investment and Financial Planning Careers Page 5

Financial Advisor Value Proposition Page 2. Financial Advisor Types Page 4. Investment and Financial Planning Careers Page 5 Index Financial Advisor Value Proposition Page 2 Financial Advisor Types Page 4 Investment and Financial Planning Careers Page 5 Selecting a Sound Financial Advisor Page 6 Common Advisor Concerns Financial

More information

Comprehensive Wealth Management. Clarity. It changes everything.

Comprehensive Wealth Management. Clarity. It changes everything. Comprehensive Wealth Management Clarity. It changes everything. WHO WE ARE Knowing that you have a plan for your personal finances and retirement frees you to pursue your passions. At Avier, we take the

More information

G. Robert King II, CFP, CLTC

G. Robert King II, CFP, CLTC RETIREMENT PLAN CONSULTING SERVICES G. Robert King II, CFP, CLTC Serving businesses on Cape Cod, since 1986 Expertise. Knowledge. Peace of Mind. Securities products are offered through New England Securities

More information

Your investment options

Your investment options Your options Contents Introducing RBC Global Asset Management i Serving Clients with a Winning Strategy i Investing Starts with Understanding Your Goals ii Guaranteed Investment Certificates 1 Group Savings

More information

STRENGTH THROUGH BALANCE Old Mutual Unit Trust

STRENGTH THROUGH BALANCE Old Mutual Unit Trust STRENGTH THROUGH BALANCE Old Mutual Unit Trust 2 OLD MUTUAL NAMIBIA UNIT TRUSTS Old Mutual Namibia Unit Trusts offer investors expertly managed Funds to suit a variety of investment and savings needs.

More information