Securing Your Financial Future. There s Wealth in Our Approach.

Transcription

1 The Right Game Plan Securing Your Financial Future There s Wealth in Our Approach.

2 About Us Value Statement As a professional athlete, your earnings depend on many variables. You will most likely experience several changes in salary, bonus s, endorsements and other forms of compensation. We use investment strategies to balance these changes and protect your wealth for you and your family s future. Our team seeks to build long-term relationships with our clients and help them protect, grow and manage their wealth. Wealth Management Approach We believe by working together, your team (wife, manager, parents or other important people in your life) and our team get a good understanding of all aspects of your finances. After this initial discussion we layout options to achieve different long and shot term goals. We then implement and monitor each strategy. What You Can Expect We work hard to earn the privilege of being your first choice for wealth management services. From aspiration to achievement, we re on your side. Earned Relationship We build your trust and confidence by taking the time necessary to understand you as an investor and what you want to accomplish in your financial life. Your financial security and helping you prepare for the future you want is our top priority. Diverse Expertise To help support you and your RBC Wealth Management financial advisor, our specialists offer deep knowledge, extensive experience and a broad range of tools spanning many facets of wealth. We are capable of navigating the intricacies related to managing your wealth for you so you can focus on enjoying the results. Personal Solutions We take great care to match our approach to providing service and strategic recommendations to your specific preferences and needs. By aligning our capabilities with your best interests, we can help you efficiently reach your unique financial and lifetime goals. RBC Wealth Management, a division of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC. RBC Wealth Management, a division of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC.

3 Choosing the Right Team As an athlete, you bring a unique set of financial circumstances to the table. But between all the travel, film sessions, and workouts, you re left with little time make sure your financial affairs are keeping up with the fast paced life you lead. This is why choosing an experienced team that will focus on making the earnings of a short career last a lifetime is so crucial. Just like everyone else, you want to ensure that your needs are met, your family is taken care of, and you can live the rest of your life on your own terms. To accomplish this, our team develops, implements, and monitors your wealth management plan just like it is our very own. The Players Your complex needs demand sophisticated solutions and an entire team of trusted advisors to execute them. As with any team, success depends on skill, accountability, and trust between all the players. We will coordinate implementation of your plan by being the financial quarterback of your teammates at RBC Wealth Management as well as outside CPA s, attorneys, and agents. The whole is greater than the sum of the parts and with all the players working together we can ensure you and your family are taken care of long after your final game. Business Philosophy As a team we use discipline and hard work to change the riches our clients have earned into True Wealth. Having a high net worth presents a more complex set of needs including high end investments, tax strategies, intricate estate design, and efficient philanthropy. Our clients trust us with the immense responsibility of not just supervising all that but helping them to make an impact on other lives. The most financially elite families work with us because we understand we re not merely managing their wealth, but we re actually managing their futures. the right game plan 1 RBC Wealth Management, a division of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC.

4 Key Considerations Along with the high earning potential of athletes come many uncertainties. Your wealth management plan needs to be built with flexibility that allows you to transition smoothly if a trade causes a sudden cross country move, an injury shortens your career, or a solid business opportunity comes about. In order to be prepared for all the possibilities our team will focus on these issues. 1. Budgeting When dealing with significant wealth this may seem unnecessary but predetermining expenses makes it very difficult to get off track. 2. Risk Planning Any athlete is always one play away so proper protection is at the heart of any solid financial solution. 3. Investment Solutions Our investment strategy and allocation decisions are crucial in helping ensure that your money out lives you and not the other way around. 4. Alternative Investments An advantage of high income is access to these vehicles that are important in limiting portfolio volatility, which is especially crucial to you due to shorter earning windows. 2 RBC Wealth management 5. Philanthropy The pinnacle of effective wealth management planning. Nothing is more rewarding than using hard earned dollars to form a foundation or donor account to benefit causes close to your heart. 6. Equity Endorsements These tools aid in the retirement planning process and help you think like a business owner before your days on the field are over. 7. Legacy Planning There are countless examples of high profile individuals who have fallen short in this area. In order to ensure financial security to future generations of your family, proper estate plan design is critical. 8. Lending Certain personal financial decisions require the use of outside capital. Whether purchasing a home, pursuing an outside business, or helping out family, it s always essential to finance things in the most efficient manner possible.

5 Our Approach We are committed to assisting its athletes and their families during their professional careers and later throughout a meaningful business career. Our approach looks at the unique circumstances that affect you and the decisions you must make throughout each phase of your career. We understand the responsibilities and stresses that accompany wealth. Our services are designed to help professional athletes reduce these pressures and simplify their lives. As a client of RBC Wealth Management, you have access to receive the following suite of services: n Personalized Comprehensive Wealth Management Planning n Customized Personal Financial Website n Tax Strategies n Estate and Legacy Planning Coordination n Cash Flow Management n Visa and Debit Card n Online Banking and BillPay n Mortgage and Credit Lending n Private Aviation* n Health Care Advisory Services We will act as the quarterback of your financial team, aligning ourselves with you to help ensure the realization of your goals and objectives. n Fiduciary Due Diligence on Money Managers n Aggregation of Financial Assets n Asset Protection Strategies n Trust Services n Philanthropic Planning n Independent Insurance Review *Private Aviation services offered through our partner Marquis Jet n Not FDIC insured n May lose value n No bank guarantee the right game plan 3

6 Our Experience We have substantial experience in helping high net worth individuals reach their financial goals. Some of our areas of focus include: n Techniques for asset protection, income stabilization, and estate planning n Financial strategies for transitioning out of the league and into another career or retirement n Partnering with trust attorneys, professional money managers, insurance specialists, and retirement planning specialists to help develop advanced investment plans n Helping premier players plan for uncertainties of income if a career is unexpectedly cut short 4 RBC Wealth management

7 About Us Stuart T. Eisen (301) Stuart joined the financial services industry in May of In his previous career, he was a small business owner with retail shoe stores in the metropolitan D.C. area. Through the NFLPA (NFL Players Association), Stuart joined the Financial Advisor Registration Program. Stuart has earned the CERTIFIED FINANCIAL PLANNER designation (CFP ) and the Accredited Wealth Manager (AWM) designation. He is also a member of RBC s Fixed Income Advisory Board. Stuart is on the board of CALMRA, an organization that serves people with cognitive disabilities in the Washington area. Stuart has been married to his wife, Rona, since 1974 and has two adult children. He and Rona are both native Washingtonians who met in high school. Stuart earned both his bachelor s and master s degrees from the University of Maryland-University College. He has his Series 7, 31, 63, and 65 licenses and is insurance licensed as well. Tom Miller (301) tommy.miller@rbc.com Tom plays a critical role in the team, providing service to the clients we work with through many different avenues. In addition to fully supporting the team administratively (processing of checks, wires, transfers, and other day to day operations), Tom is responsible for investment performance analysis, investment research and delivering overall wealth management solutions for clients. His specified areas of expertise include asset allocation, retirement planning, insurance services and estate planning. Tom is a Chartered Retirement Planning Counselor (CRPC ) and is series 7, 66 and insurance licensed. the right game plan 5

8 About RBC Royal Bank of Canada (RBC) is one of the world s leading diversified financial services companies. One that is distinguished by a long heritage of financial strength, integrity and unwavering dedication to our clients. Key Facts n Chartered in 1869 n Approximately 80,000 employees speaking over 100 languages serve more than 15 million clients worldwide n Stock trades as RY on New York (NYSE), Toronto (TSX) and Swiss (SWX) exchanges Among the World s Best n Top 5 of largest banks in North America 1 and Top 15 of largest banks globally 1 n Top 100 Most Valuable Global Brands (BrandZ 6th annual global brands ranking) n Global strength in wealth management and capital markets Canada s Leading Financial Institution n Largest bank in Canada 1, with over $835 billion USD 2 in total assets and market capitalization of $89 billion USD 3 n #1 or #2 market share across all major financial products and services in Canada n Recognized as one of Canada s Top 100 Employers for 2012 (Mediacorp Canada Inc. annual survey of Canadian businesses) Stable Safe Sustainable n One of the highest credit ratings of any financial institution (Moody s Aa3, Standard & Poor s AA- and Fitch Ratings AA) n Consistently strong and stable with a high-quality balance sheet, proactive risk management and a strong liquidity position n Named to the Global 100: Most Sustainable Corporations in the World in 2012 for the eighth consecutive year (World Economic Forum) n Recognized among the world s financial, social and environmental corporate leaders for the 13th consecutive year on the 2013 Dow Jones Sustainability World Index n Committed to environmental and watershed protection in communities worldwide through the 10-year, C$50 million RBC Blue Water Project About RBC Wealth Management Why Investors Choose RBC Wealth Management When it comes to helping you manage your wealth, our character counts. For decades, we ve cultivated a reputation for putting client needs first. Our character is reflected in our stewardship values and deep commitment to responsibly managing the assets you entrust to our care. Our character is also reflected in our ongoing investment in worthy causes supporting the well-being of the communities we serve. This includes industry leadership promoting clean water and diversity initiatives. As part of the RBC family of companies, we offer the strength, stability and integrity of an institution known for its fiscal dependability and sound risk management practices. 6 RBC Wealth management

9 Services for Individual Investors It All Starts with You RBC Wealth Management offers some of the very best of thousands of investment products, including many local, regional and international investment opportunities that may not be available from other firms. In the U.S., it has approximately 2,000 financial advisors operating in more than 200 locations in 42 states. RBC Wealth Management also serves high net worth individuals and institutional clients worldwide with businesses in Canada, the U.K. and emerging markets. Globally, RBC Wealth Management has a combined total of more than $570 billion USD in assets under administration, and approximately 4,300 financial advisors, Private Bankers, and Trust Officers. Through a dedicated financial advisor focused on serving your best interests, we develop highly effective and customized solutions that meet your needs and objectives now and for years to come. For information, visit Five Quick Facts 1) RBC Wealth Management is recognized as one of the world s top 10 largest wealth managers.2 2) O ur experienced financial advisors specialize in providing attentive service and customized strategies to help you build, preserve, enjoy and share your wealth. 3) W e deliver world-class wealth management solutions, expertise and tools to help you accomplish your financial goals, throughout all stages of your life. 4) W e offer a broad range of international capabilities from a respected global leader in diversified financial services: Royal Bank of Canada (NYSE; TSX: RY). 5) F ounded in St. Paul, Minnesota, in 1909 and still headquartered in the Twin Cities. the right game plan 7

10 The Game Plan Because of the career path you have chosen, it s crucial to align yourself with a team that that understands the complex circumstances that pertain to you. Someone who has the perfect blend of knowledge and resources to provide you the precise professional financial advice you need: and most importantly, someone with your best interests at heart. Hard work, discipline, and determination have propelled you to great success within the confines of the game. Those same characteristics will be needed to achieve success financially. As a team, we re eager to put together a wealth management plan that will take you to the level of security that you and your family deserve. It s never too late, or too early, to get started. 8 RBC Wealth management

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12 5425 Wisconsin Avenue, Suite 301 Chevy Chase, MD Statistics as of March RBC Wealth Management, a division of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC, is a wholly owned subsidiary of, and separate legal entity from, Royal Bank of Canada. Royal Bank of Canada does not guarantee any debts or obligations of RBC Capital Markets, LLC. 2 Scorpio Partnership Global Private Banking KPI Benchmark This measurement includes all global RBC Wealth Management affiliates including the U.S. division. 3 As of January 31, RBC Capital Markets, LLC. All rights reserved. 13-WG-466_2 (04/13)