The Webber Wealth Management Process

Professional Wealth Management Since 1901

RBC Dominion Securities Inc.

The Webber Wealth Management Process

2 | The Webber Wealth Management Process

The Webber Wealth Management Process

Getting the right investment advice is a key part of managing your wealth. But it’s just one part of a bigger picture. You may also require assistance with your finances or taxes, help planning your retirement, or guidance on how to structure your estate in a tax-efficient manner. Perhaps you have very specific concerns that need to be addressed – like maximizing your retirement income or deciding how to pass on the family business.

Because these various aspects of managing wealth are all interconnected, it is important to take a coordinated approach. The approach that we take at The Webber Team of RBC Dominion Securities is designed to ensure that you are taking the right steps towards a bright financial future for you and your family.

Who we can help

Our services are designed for clients who have reached the stage where their financial affairs have become increasingly complex and they require professional assistance managing their investment assets. Our clients include:

n Busy executives and professionals looking to free their time to focus on personal and career goals

n Successful business owners and self-employed professionals who need help managing personal and business assets

n Pre-retirees who want to make the most of their savings as they approach retirement

n Retirees requiring innovative strategies to maximize their after-tax retirement income, while protecting their financial security

n Well-established families seeking professional guidance transferring wealth to the next generation in a tax-efficient manner

n Philanthropists looking for creative ways to enhance their legacy to chosen charities

n Non-profit organizations requiring assistance managing investment assets according to specific guidelines

The Webber Wealth Management Process | 3

The Wealth Management Process

FINANCIAL PLANNING

We will prepare a customized analysis of your financial situation incorporating your financial goals, risk tolerance and long-range plans.

WILL & ESTATE REVIEW

We can help you address your various estate planning concerns and recommend the steps you need to take to achieve your goals.

INSURANCE REVIEW

Our insurance specialist can help you protect everything you have worked so hard to build through innovative insurance-based strategies.

INVESTMENT POLICY STATEMENT (IPS)

The blueprint for your investor profile, the con struction of your portfolio and customized Investment Policy Statement.

INVESTMENT PROPOSAL

Before implementation, your objectives will be reviewed and we will outline an investment plan created for you. Once approved, the recommendations are put into place.

ONGOING SERVICES

You are apprised of the performance of your portfolio and the markets through regular updates, client events, newsletters and our website.

REGULAR REVIEWS

As your needs and the markets evolve, periodic reviews ensure that your plan remains an effective tool in achieving your objectives.

DISCOVERY

Your personal advisor sits down with you to gain a clear understanding of your goals – both personal and financial.


DiscoveryWith a detailed understanding of your current financial situation and your goals, we can give you the right advice.First we explore your current financial situation, portfolio and investment objectives. Then we establish your investment and wealth management goals. Finally, we determine your tolerance for risk and market fluctuation.

Financial PlanningWe help you understand whether your financial goals can be met, what risks you face, and whether you could be paying less tax.We can provide a core financial plan suitable for most situations or, for more complex situations, an in-depth financial plan that leaves no stone unturned. If you are a successful business owner or professional, we offer Business Ownership Planning with a highly qualified RBC Wealth Management professional. We will coordinate with your professional advisors (accountants, lawyers, etc.) who will execute the strategies and solutions most appropriate for your personal situation and goals.

Will and Estate ReviewResponsible planning for your family means controlling what happens after death.For complex or high-value estates, a professional Will & Estate Consultant can provide valuable information on efficient and tax-effective estate structuring. Following a consultation with you and our team, a report outlining various estate-planning opportunities will be provided to you to explore in further detail, and potentially implement, with your legal counsel. (Referrals available.)

Insurance ReviewInsurance reviews help us assess risks to your financial plan and determine if you can take advantage of tax-exempt growth.Should you require it, a highly qualified Estate Planning Specialist can assess the need and suitability of tax-exempt insurance products to help create and enhance your wealth, today and in the future.

Investment Policy Statement (IPS)“Only when you combine sound intellect with emotional discipline do you get rational behaviour.” - Warren BuffettWe know the best way to achieve success is through a disciplined approach to portfolio management. That’s why we recommend a custom-tailored Investment Policy Statement for our clients. Your Investment Policy Statement is the basic blueprint for the creation of an investment portfolio that is specific to you. It documents key factors such as your investment objectives, time horizons and risk tolerance. Based on these factors, we will recommend an appropriate asset allocation strategy with the right balance of growth, income and security.

Investment Proposal We use the top-rated research available at RBC to build and manage your portfolio.Based on your ideal asset-allocation model, we select an appropriate combination of investments for your portfolio. Nearly every type of investment is available to help meet your needs. In selecting your investments, we combine an understanding of the “big picture” – overall global economic and market trends – with fundamental research of individual investment opportunities. Senior economists, portfolio strategists and research analysts from various parts of RBC Wealth Management augment our team’s decisions in building your portfolio.


Ongoing ServicesOur team’s reputation was built by the personalized service we’ve provided clients for over 50 years. Having a team structure also allows us to provide responsive administrative service that is the best in Cambridge. Our ongoing services include:

Professional advicen Ongoing financial planning advice n Buy/sell recommendationsn Portfolio monitoring and rebalancingn Newsletters that help you stay informed of planning and investing ideas

Administrative servicesn Safekeeping and custody (unlike many competitors, we do not charge custody fees)n Multi-currency, non-registered account functionalityn Automatic contributions and withdrawal plansn Automatic mutual fund purchase or redemption plansn Electronic funds transfersn Registered estate processing, tax reporting and T3 returnsn Old certificate current status and value research

State-of-the-art reportingn DS Online private client website, providing secure 24/7 account access, exclusive investment

research, quarterly market outlook, RBC Economics publications, Reuters market news, real-time quotes, customized Watchlists and more

n Consolidated view of all your RBC accounts and ability to transfer funds between accounts through DS Online

n Paperless eStatements through DS Online to reduce your paperwork and help us help the environment, including a seven-year archive starting with your October 2007 statements

n Quarterly account statements (or monthly when there is trading activity in an account)

n Annual consolidated tax reporting, including dispositions with book costs

n Quarterly performance reporting

Regular ReviewsMarket and economic conditions change. Your personal situation and goals will also change.Reviewing your portfolio at least annually, and in some cases semi-annually or quarterly, is important, specifically when it comes to making sure your asset mix is in line with your investment objectives. Obtaining an update on your personal and financial situation is important as your goals are likely to change over time and should be reflected in changes to your portfolio’s composition. We will also continue identify opportunities to build and protect your wealth as your needs evolve through our value-added financial, estate and insurance planning services.

RBC Dominion Securities Inc.* and Royal Bank of Canada are separate corporate entities which are affiliated. *Member-Canadian Investor Protection Fund. Insurance products are offered through RBC Wealth Management Financial Services Inc. (“RBC WM FS”), a subsidiary of RBC Dominion Securities Inc. When providing life insurance products in all provinces except Quebec, Investment Advisors are acting as Insurance Representatives of RBC WM FS. In Quebec, Investment Advisors are acting as Financial Security Advisors of RBC WM FS. RBC DS WM FS is licensed as a financial services firm in the province of Quebec. RBC Dominion Securities Inc. is a member company of RBC Wealth Management, a business segment of Royal Bank of Canada. ®Registered trademarks of Royal Bank of Canada. Used under licence. © RBC Dominion Securities Inc. 2012. All rights reserved.

Blair Webber Vice President & Investment [email protected]

Bryan Webber Associate [email protected]

Heather Salfarlie Associate [email protected]

The Webber Team of RBC Dominion Securities

231 Shearson Crescent, Suite 301Cambridge, Ontario N1T 1J5

Fax: 519-621-8561 Toll Free: 1-800-463-8402

www.thewebberteam.com

The Webber Wealth Management Process

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