Advisor. Customized Investment Strategies

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1 Advisor Customized Investment Strategies

2 Take Control of Your Portfolio Achieving financial independence is a key goal for many investors. Developing a sound investment plan tailored to your specific needs is the first step towards reaching your goals. Your Financial Advisor will work closely with you to analyze your needs and develop customized financial solutions for your personal situation. With the many thousands of investments available, it can be difficult to choose the ones that can help you meet your individual goals today and in the future especially if you feel you lack the time, expertise or resources to make the appropriate choices. The Advisor program can simplify this challenging process by providing you with the professional, customized advice of your Financial Advisor. Advisor it s the smart way to invest.

3 What Advisor Provides You Advisor offers you everything you need to be an active, informed investor. And it s all available in one easy-to-manage account. Here s what you can expect: n Customized, Professional Investment Advice Your Financial Advisor will help you develop the asset allocation strategy that s most suited to your needs. Using this strategy to develop your investment plan, you have the opportunity to benefit from the upside potential of a wide range of markets, while limiting the downside risk that comes from owning just one. n Access to a Wide Variety of Investments, Including Load and No-Load Mutual Funds You can build your portfolio using a wide variety of investments with access to all types of mutual funds equity, fixed-income, international, etc. n No Sales Charges or Transaction Fees You ll pay just one fee, assessed quarterly, based on the value of assets invested. Mutual funds are purchased at net asset value, including no-load funds and funds that have waived their front or back-end sales charges. n Free Transfer Across Mutual Fund Families You ll have the flexibility to move money among mutual funds without paying sales charges. n In-depth Research You ll receive timely, objective and concise research from RBC Wealth Management s Portfolio Advisory Group and Advisory Research team to help you decide which investments are most appropriate for your situation. n Ongoing Service You ll stay current on your portfolio through regular consultation with your Financial Advisor, monthly statements, mutual fund portfolio rebalancing and quarterly portfolio reviews. Portfolio reviews include the rate of return for your portfolio from the most recent quarter, year and since the date you opened your Advisor account. Advisor 1

4 Designing Your Portfolio Developing a customized portfolio that meets your specific needs starts with your Financial Advisor guiding you through the following process: Step #1: Understanding You and Your Goals Before you make any investment decisions, you need to focus on your individual situation and the results you want from your portfolio. Your Financial Advisor will work closely with you to develop an individualized strategy based on the following: n Your financial goals n Your risk tolerance n Your investment time horizon n Your specific investment preferences n Your plans for today n Your plans for the future 2 Advisor

5 Step #2: Developing a Customized Investment Strategy and Profile Based on your needs, goals and objectives your Financial Advisor will develop a strategy tailored to your needs. This plan will guide you and your Financial Advisor in selecting the investments most suited to your situation. Step #3: Analyzing and Selecting the Best Alternatives With this in-depth understanding of your portfolio needs and preferences, your Financial Advisor will carefully identify the investments most appropriate for you. Your Financial Advisor has access to many resources including information on thousands of securities available through Advisor. Your Financial Advisor will help you interpret this research so that you can confidently choose the most appropriate mix of investments to implement your strategy. Step #4: Tracking Your Progress During your regular portfolio reviews with your Financial Advisor, you may decide to adjust your portfolio in response to changes in the market or in your life. You have the flexibility to make these adjustments because you can buy and sell securities in Advisor without incurring sales charges. As time passes and markets move, the allocation of your assets may shift from your original plan. When this happens you may want to bring the portfolio back to its target allocation (rebalance) or analyze how these shifts impact you and decide whether changes make sense for you. You will receive ongoing updates from your Financial Advisor and informative reporting features: n Consolidated Monthly Statement This statement summarizes account activity purchases, redemptions, etc. for the month. n Comprehensive Quarterly Portfolio Reviews This report updates the performance of your portfolio. It also shows how your current allocation compares to a target allocation you may have selected. n Year-End Summary Statement This statement lists all gain and loss information for the year. Advisor 3

6 Simplify Your Life with Advisor Investing can be a time-consuming and complicated process. But it doesn t have to be. With Advisor, you will have access to a wide range of investments and the professional advice and support of your Financial Advisor all for a single fee, based on the value of your account. Advisor is your one-stop source for: n Personalized investment solutions n Thousands of investment choices n Concise monthly statements n Detailed quarterly portfolio reviews n In-depth, timely and accurate research You won t find a better investment platform than Advisor. It s got everything you need to help you succeed. To learn more about Advisor, contact your Financial Advisor. 4 Advisor

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8 RBC Correspondent Services and RBC Advisor Services, divisions of RBC Capital Markets, LLC, member NYSE/FINRA/SIPC, provides custody services for accounts managed by your Financial Advisor. The referenced product or service is available through that relationship RBC Capital Markets, LLC. All rights reserved. Spartan Capital Securities, LLC 45 Broadway - 9th floor New York, New York (877) (212) Member FINRA/SIPC*MSRB Registered (12/11)