Be informed. Be secure. Be well-advised.

Transcription

1 Be informed. Be secure. Be well-advised.

2 Advice is as good as the person who gives it. Therein lies the secret of our success. And of yours. Sean Etherington President

3 Assante Wealth Management At Assante Wealth Management, we have our own unique philosophy, our defining principles, our comprehensive wealth management solutions. And we are justifiably proud of them. But what really sets Assante apart, what really distinguishes the quality of our advice, is the quality of our advisors. Assante Wealth Management is one of the largest independent advisory networks in Canada, with an enviable roster of respected, knowledgeable and dedicated advisors. So it should come as no surprise that we have more than our fair share of prosperous clients. We think you would be well-advised to count yourself among them.

4 Be exceptionally well taken care of.

5 The Assante Advisor Choosing a financial partner is one of the most important decisions you will ever make, for yourself or for your family. Your whole future depends on it. That s why so many astute Canadians choose Assante. There is a tremendous advantage to having one contact for all your wealth management needs an expert who is intimately acquainted and personally in touch with every detail of your family s financial affairs. Assante advisors have the skills, the strategies and the support to serve the increasingly complex demands of successful clients. Nobody knows more about administering, investing, diversifying, sheltering, bequeathing, preserving and augmenting your hard-earned wealth than we do. But it all starts with you. Only by understanding your needs and goals can your Assante advisor design a comprehensive strategy that will meet, or exceed, them.

6 Be smart. Be sure. Be set for life.

7 The Complete Wealth Plan They say life is what happens while you re busy making plans. But without a plan, you aren t leading the life you want. It s leading you. You wouldn t be where you are today if you didn t know that. We consult with you on a regular basis, plugging into your plans. Through ongoing consultation, we begin to understand your goals, dreams and aspirations for yourself and your family. At Assante Wealth Management, the plan is to build and preserve your wealth. We do it by creating a complete wealth management plan that is comprehensive and integrates every aspect of your financial affairs including: investment strategies; risk management and insurance; tax planning; estate planning; cash and credit management. We implement it by bringing together the products, services, professionals and financial solutions that best serve your wealth management needs and goals. And we do it so well that we are currently retained and referred by more than 300,000 Canadians.

8 Be well-invested.

9 Investment Strategies This is where your money grows. Perhaps that explains why it tends to be the most anxiously picked over, poked and prodded part of a garden-variety investment plan. Unlike the average investor, you will also have access to an exclusive suite of managed portfolios, customized to your specific liquidity needs, growth expectations and family situation. Nothing could be more counterproductive. With investing, it is discipline that pays the biggest dividends. Your Assante advisor will prepare a prudent investment strategy based on your objectives and risk tolerance. Then we will implement it, consistently and carefully, with a broad range of best-in-class products and services. Our managed portfolios utilize proven asset allocation and diversification techniques under the guidance of experienced investment managers and the stewardship of CI Investments Inc. Your managed portfolio will be designed to adapt to the daily changes, bumps and grinds, ups and downs of the market. And like all of our managed portfolios, it will be regularly monitored and systematically rebalanced to ensure that it continues to reflect your personalized plan.

10 Be protected.

11 Risk Management and Insurance Don t think of it as just the safety net of your wealth management plan (nice to have in place, just in case). These days, insurance can be designed to meet specific investment objectives as well. We work with Canada s leading insurance providers to manage the risks and maximize the opportunities at every stage of your personal and professional life. You may be advised to consider: Protecting your current income Sheltering your investments Supplementing your pension at retirement Providing for accident, illness or disability Protecting your business against the loss of key personnel Providing employees with group insurance and retirement plans Planning your business succession With the help of your Assante advisor, you can implement a program that strengthens and safeguards your family s financial security.

12 Be ready. Be prepared.

13 Tax Planning It s a fact of life in this country: the more you have, the more you have to pay. Working with tax professionals, Assante advisors are adept at keeping more of your money in your pocket. Because, after all, that s where it belongs. There are tax implications to each and every element of your complete wealth plan; and we can deploy a whole arsenal of tactics to minimize your tax burden. And deploy them we will. Tax-smart strategies include: Taking advantage of the tax sheltering provided in registered plans Optimizing tax-preferred income and use of capital losses in non-registered plans Establishing trusts and endowments Choosing tax-deferred and tax-exempt options Splitting income among family members Remember: it s not so much what you make that counts. It s what you keep.

14 Be fondly remembered.

15 Estate Planning You can t take it with you. But you can decide where it will go, and how smooth the transfer will be. Estate planning helps ensure that you will pass along more to your family and less to the government. It also lays out a smooth and stress-free transition of your assets to the next generation or intended beneficiaries. Turn to Assante for wise counsel in: Minimizing capital gains taxes and probate fees Maximizing tax-exempt legacy opportunities Utilizing sheltered donations and endowments Taking advantage of estate freezes The way we see it, a well-structured, effective estate plan is the best legacy of all.

16 Be comfortable today.

17 Cash and Credit Management Strategy, discipline and long-range planning are all well and good, but you can t put life on hold. What about the here and now? Your complete wealth management plan needs to be flexible enough to accommodate the opportunities that present themselves today. By considering your cash and credit needs along with all the other components of your financial affairs, your Assante advisor ensures that you and your family enjoy quality of life today while also working toward your financial goals for the future.

18 A Strong Partner It s not about knowing all the answers. It s about knowing the people with all the answers. When you surround yourself with professionals, and pay attention to them, you can t help but do well. How do we know? Because that s how we grow and preserve billions of dollars for our clients, each and every day. We would be happy to do it for you, too. Assante Wealth Management. Be well-advised. Our Financial Strength Assante Wealth Management s distinctive offering is backed by the global resources of CI Financial, one of the largest and most respected financial service firms in Canada. CI Financial Corp. (TSX: CIX) is a diversified wealth management firm and a true success story. Since its founding in 1965, CI has grown into one of the top firms in its industry. CI became a public company in 1994 and has established a record of success throughout its history. To find out more, we encourage you to speak to your advisor or visit us online at

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20 Assante Wealth Management s advisory services are offered through Assante Financial Management Ltd.(member of the Investor Protection Corporation and the Mutual Funds Dealers Association of Canada), Assante Capital Management Ltd.(member of the Canadian Investor Protection Fund and Investment Industry Regulatory Organization of Canada) and Assante Estate and Insurance Services Inc. This material is provided for general information and is subject to change without notice. Every effort has been made to compile this material from reliable sources however no warranty can be made as to its accuracy or completeness. This material is not intended to provide, and should not be construed as providing individual financial, investment, tax, legal or accounting advice. You should consult your professional advisor(s) prior to acting on the basis of the information herein. Services and products may be provided by an Assante Wealth Management Advisor or through affiliated or non-affiliated third parties. Some services and products may not be available through all Assante Wealth Management Advisors. Please contact us for further information. The Assante symbol and Assante Wealth Management are registered trademarks of CI Investments Inc., used under licence. Assante is an indirect, wholly-owned subsidiary of CI Financial Corp. ( CI ). The principal business of CI is the management, marketing, distribution and administration of mutual funds, segregated funds and other fee-earning investment products for Canadian investors through its wholly-owned subsidiary CI Investments Inc. If you invest in CI products, CI will, through its ownership of subsidiaries, earn ongoing asset management fees in accordance with applicable prospectus or other offering documents _E (12/17)