An Introduction to Streu-Krahn Wealth Management

Transcription

1 Building your financial future An Introduction to Streu-Krahn Wealth Management Your Cornerstone to Building a Solid Financial Foundation

2 Streu-Krahn Wealth Management: Expert Advice At Your Service It is not how much money you make that counts but how much money you keep Robert Kiyosaki, Author Rich Dad Poor Dad Capital Preservation is the single most important rule in investing. In taking the time to thoroughly understand our client s ambitions and appetite for risk, we create a customized investment strategy that works to minimize risk and maximize returns.

3 An Introduction to Streu-Krahn Wealth Management

4 Streu-Krahn Wealth Management: Expert Advice At Your Service Rudy Streu, CIM, FCSI Vice President & Senior Investment Advisor (250) years as real estate practitioner owning his own firm for over 6 years 1993 completed the Canadian Securities Course with honors prior to joining a major securities firm obtained Certified Investment Manager (CIM) designation 1996 granted Fellow of the Canadian Securities Institute (FSCI) designation 1996 obtained Level 1 Accident & Disability Insurance license from Insurance Council of B.C. Member of the Academy of Fellows 1997 joined HSBC SECURITIES as an Investment Advisor serving interior British Columbia 2001 awarded Senior Investment Advisor title by HSBC Securities 2004 obtained Level 2 Accident & Disability Insurance license from Insurance Council of B.C appointed Vice-President, HSBC Securities A member of the HSBC President s Council since 2006

5 Streu-Krahn Wealth Management: Expert Advice At Your Service Chad Krahn, CFA Associate Investment Advisor (250) Over 15 years experience in the financial services industry Graduate of the University of Calgary with a Bachelor of Commerce degree, specializing in finance CFA Charter holder, one of the most prestigious designations in the financial industry. Prior to joining HSBC worked as a Vice President of Sales for Merrill Lynch Canada in the Structured Solutions Group In 2004 was a founding partner of OpenSky Capital, one of Canada s most successful independent structured product companies From worked as Vice President Sales, B.C. for Talvest Mutual Funds Started in the Financial industry with Midland Walwyn/Merrill Lynch in 1997

6 Streu-Krahn Wealth Management: Expert Advice At Your Service 14 Years of financial industry experience Employed as Sales Assistant and Branch Administrator with a major financial institution National Bank Financial Ltd Obtained Canadian Securities License 1997/98 - Assistant to K. McMillan, Certified Financial Planner, Equinox Financial Kari Headley Associate (250) kari_headley@hsbc.ca 1995/97 - Purolator Courier Ltd., Administrative Assistant / Sales Coordinator Attended Okanagan University College - BSW Program Graduated with Honors from Kelowna Secondary School

7 Our Core Beliefs Instill Sound Investing

8 Streu-Krahn Wealth Management: Expert Advice At Your Service We Believe that Capital Preservation is the Single Most Important Rule in Investing At Streu-Krahn Wealth Management we provide an unwavering commitment to preserving our client s capital. We carefully analyze and vet all investment decisions to ensure that they are consistent with our clients risk tolerance and long term financial goals. Our clients have worked hard to earn their investment capital, we believe capital preservation is equally as important as maximizing portfolio gains.

9 Streu-Krahn Wealth Management: Expert Advice At Your Service We Believe Asset Allocation is Fundamental to any Successful Investment Strategy Research has shown that over 90% of a portfolio's return can be credited to asset allocation. Time in the market vs. Timing the market An investor who put their money into the S&P/TSX on June 30, 1989 would have earned an annual return of 5.2% over the 20 year period ending June 30, 2009 Missing the five best weeks over that same 20 year period would result in an annual return of 2.6% Missing the ten best weeks over that same 20 year period would result in an annual return of 0.9% Financial markets are dynamic and constantly changing, incorporating prudent asset allocation into portfolio construction increases our chances of success.

10 Streu-Krahn Wealth Management: Expert Advice At Your Service We Believe in Investing in Solutions that Generate Consistent Cash Flow for Investors Investments that pay consistent monthly/quarterly/annual cash flow can greatly reduce overall portfolio volatility and improve long term investment results.

11 Streu-Krahn Wealth Management: Expert Advice At Your Service We Believe in a Core & Explore Investment Strategy that Incorporates both Active & Passive Management We believe in establishing a core investment portfolio that employs an asset allocation strategy that is consistent with your risk tolerance and financial goals We believe in complimenting this core portfolio with high conviction investment themes that can serve to increase investment returns while being mindful of your risk tolerance We use passive investment vehicles where appropriate. History has shown that for certain asset classes active managers have a very difficult time outperforming their benchmark net of fees. Example: Large Cap Canadian Equity According to S&P, over a 5 yr period ending Q only 5.9% of actively managed funds outperformed their benchmark. Over a 3yr time period the number improved modestly to 12.1%.

12 Streu-Krahn Wealth Management: Expert Advice At Your Service We Believe that Transparency and Communication are Key to Establishing a Successful Client/Advisor Relationship Clients should clearly understand each investment in their portfolio and how it fits with their overall investment strategy Frequent and candid communication is imperative to ensuring that investment goals and ambitions are kept on track. We believe that all fees clients pay should be completely transparent, predictable, and clearly identified. We believe that fee s matter and as such will diligently analyze each investment solution proposed to ensure that its fee structure is consistent with the value that it provides. We believe in addressing client questions and concerns in a prompt and efficient manner. Streu-Krahn Wealth Management prides itself on the customer service it provides to its valued clients.

13 Streu-Krahn Wealth Management: Expert Advice At Your Service Our Team Commitment to Keeping you informed Regularly scheduled reviews Quarterly statements (monthly when there is activity in your account) Comprehensive year-end information Ongoing portfolio monitoring to make sure all investment objectives are being met Quarterly client newsletter Perspectives Interactive client friendly website Regular telephone contact as deemed appropriate by the client Readily accessible and capable team available 6:00AM to 4:00PM daily Regular seminars to keep clients abreast of market trends and innovative investment ideas

14 Streu-Krahn Wealth Management: Expert Advice At Your Service Those who could benefit from our services Retirees looking to maximize income Pre-retirees trying to maximize retirement savings Established families concerned about generational wealth transfer Entrepreneurs requiring assistance managing personal and business assets Successful executives and professionals

15 Streu-Krahn Wealth Management: Expert Advice At Your Service Our disciplined five-step process to investment and wealth management planning

16 About National Bank Financial & Our Service Offering

17 National Bank Financial: Expert Advice At Your Service National Bank Financial at a Glance One of Canada s leading investment dealers $1.1 Billion in annual revenues $875 Million in capital More than 1000 Investment Advisors coast to coast in more than 92 branches Over $75 Billion in assets under management for individual investors A leader in Institutional Equity sales and trading Highly ranked internal research capabilities A diverse group of Investment Banking professionals Specialized Mergers and Acquisitions expertise Integrated corporate banking capability A key participant in all Canadian Fixed Income markets Canada s #1 provider of third party securities clearing services A dynamic Merchant Bank

18 National Bank Financial: Expert Advice At Your Service National Bank Group at a Glance National Bank Financial Group Our Values 17,772 Employees 446 Branch Locations 855 ATM Locations 2.35 Million Individual Clients Billion in Assets In Client Assets under Admin Billion in stock market capitalization Ticker on the TSX: NA Client Satisfaction Cooperation and Teamwork Efficiency Innovation Integrity Performance

19 National Bank Financial: Expert Advice At Your Service National Bank Financial has been putting its talents and creativity to work serving the investment needs of individuals and institutions since Bloomberg Magazine ranked National Bank as the strongest of North America s more than 9500 banks in 2011 and the third strongest in the world, in terms of capitalization. National Bank Financial s Wealth Management division has over 1,000 advisors managing in excess of $75 billion for some 400,000 individual investors from a 92 branch network that extends from the Pacific to the Atlantic oceans. Its Financial Markets division serves corporations, governments and institutional investors from offices in Canada s major cities as well as New York, London and Geneva. National Bank Financial s Corporate and Investment Banking group s 160 professionals have participated in 227 equity financings year-to-date in 2011, leading or co-leading 68 of them, as well as providing risk management solutions to many of these corporate clients.

20 National Bank Financial: Expert Advice At Your Service In addition to being a major underwriter of federal and provincial debt, this team also commands up to a third of all financings by Canadian municipalities, and participates as a lead or co-manager in over a third of all Canadian corporate debt issues. National Bank Financial is a major trader of Government of Canada and provincial bonds. It accounts for a substantial share of corporate bond trading and it is consistently the leading secondary market trader of municipal bonds. The Firm is the largest provider of third-party clearing services in Canada and a major market maker for exchange-traded funds. Finally, National Bank Financial s Economics and Strategy Group is regularly rated as one of the top research teams in Canada. Bloomberg Magazine classed it as one of the world s best foreign exchange forecasters for 2011, and ranked its Chief Economist in second place in its May 2011 Top Forecasters of the Canadian Economy list.

21 National Bank Financial: Expert Advice At Your Service Wealth management solutions available to you! 21

22 National Bank Financial: Expert Advice At Your Service Access to the complete range of registered products and strategies appropriate to each Registered Retirement Savings Plans (RRSPs) Registered Retirement Income Funds (RRIFs) Locked-In Retirement Accounts (LIRAs) Locked-In Retirement Income Funds (LRIFs) Registered Education Savings Plans (RESPs) Individual Pension Plans (IPPs) Tax Free Savings Accounts (TFSAs)

23 National Bank Financial: Expert Advice At Your Service Access to a comprehensive array of investments Canadian, US and International equities Corporate and government bonds Mutual funds Fund of funds and pooled wraps New issues Principal protected notes ETF s Exchange Traded Funds Alternative Investments

24 National Bank Financial: Expert Advice At Your Service A full suite of specialized accounts to suit each unique situation Fee-based accounts Sapphire Account Unlike a traditional brokerage account that charges a commission for every transaction, the Sapphire account offers a single all inclusive fee linked to the value of your accounts. Separately managed accounts Diamond Account A highly personalized program that complements the insight of our team with the expertise of an elite array of professional money managers that are generally reserved for large institutional investors. Traditional investment accounts The global presence of our parent company allows you the ability to transact in many asset classes on major stock markets around the world. In addition our scope allows us to clear transactions in multiple currencies and jurisdictions the world over.

25 National Bank Financial: Expert Advice At Your Service Solutions for you and your business Business succession plans Planning to help ensure that your business succeeds after you retire Business protection planning Key person insurance, buy-sell agreements, etc. Tax planning RRIF Meltdowns, Tax Free Savings Accounts, Tax sheltered investments Estate planning strategies Wills, Trusts, Insurance Planning Individual Pension Plans (IPPs)

26 Thank You for your interest in National Bank Financial and Streu-Krahn Wealth Management