Integrity Confidence Peace of Mind. Bannatyne Wealth Advisory Group

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1 Integrity Confidence Peace of Mind Bannatyne Wealth Advisory Group

2 Bannatyne Wealth Advisory Group At Bannatyne Wealth Advisory Group, we empower our clients to build and maintain their wealth, delivering financial fulfillment through a long-term, conservative approach to wealth management. We pride ourselves on upholding the highest level of professionalism and integrity, helping to instill confidence and peace of mind for our clients, who know their financial affairs are well looked after. We are committed to maintaining and continuously improving our high standard of client service. We deliver on our promises and are proactive in our approach. Bannatyne Wealth Advisory Group 1

3 Our Team Dave Bannatyne, BA (Hons) Susannah Law, B.Comm. Investment Advisor Assistant Investment Advisor Dave has worked in the wealth management industry for over 15 years, providing individuals, families and corporations with comprehensive investment advice. He has spent his entire career with TD Wealth Private Investment Advice and graduated from Queen s University, where he obtained a Bachelor of Arts degree with Honours. While at Queen s, Dave was a captain of the Golden Gaels varsity football team. Dave is married with three boys and resides in Southwest Calgary. In his spare time he enjoys many outdoor pursuits and volunteers with both the Calgary Stampede and the Calgary Wildcats Football Association. Susannah is a tremendous asset and an integral member of the team. She is a registered representative who believes in providing the highest level of knowledgeable customer service. Susannah obtained a Bachelor of Commerce degree from the University of Victoria and has worked in the finance industry ever since. She was born and raised in Calgary and enjoys an active lifestyle filled with snowboarding, tennis, and golf. T susannah.law@td.com T david.bannatyne@td.com 2 Bannatyne Wealth Advisory Group Bannatyne Wealth Advisory Group 3

4 Understanding You is Our First Priority Our approach Our client-centred approach revolves around the goals and dreams you and your family share for your lifestyle, careers, businesses and legacy. Building and maintaining wealth should not be complicated. Through time, planning, and our proprietary review of 11 key wealth considerations, we are able to effectively prioritize your goals and objectives, to determine the most appropriate solution for your individual needs. Planning for Major Purchases Business Succession Planning Charitable Giving Investment Strategies Banking and Credit Management The goals and dreams you and your family share for your work and career, well-being, home, lifestyle, and legacy. Wealth Accumulation, Preservation and Transition Retirement Planning Wealth Accumulation, Preservation and Transition Protecting Your Income Protecting Your Assets While working with Dave we have been able to generate material returns, manage risk to an appropriate level, and put a plan in place to help ensure an early retirement. I have been working in the investment industry for well over a decade and it s because of Dave s knowledge and unique approach, in addition to his team and service levels, that we deal with Dave and his team and why we highly recommend him to others. Grant Daunheimer Oil and Gas Research Analyst GMP Securities Education Funding Passing On Your Wealth Tax Management 4 Bannatyne Wealth Advisory Group Bannatyne Wealth Advisory Group 5

5 Our Investment Process My wife and I have been clients of the Bannatyne Wealth Advisory Group since Dave and his team have been very helpful in looking after our personal and corporate investments. They provide a high level of client service that is much appreciated and not often found in today s wealth management environment. Bryan Kelly President Supersul Canada Ltd. A comprehensive and customized wealth plan Our two-phase investment process and wealth accumulation strategy is thorough and entirely client-centric. We believe in a holistic approach and will engage in detailed discussions with you, your family and your other professional advisors (lawyers, accountants, etc). This is done to help ensure that we create a comprehensive and customized wealth plan that is unique to your needs, wants, objectives and circumstances. We strive to deliver sustained, long-term, risk-adjusted investment performance and will guide and work with you through our unique investment process to accomplish this. Discovery Discuss your needs, concerns, expectations and priorities Gather information Your Investment Plan Reaffirm your financial goals and priorities Introduce your Investment Policy Statement and/or Retirement Plan Determine if there is a mutual fit Create your Investment Policy Statement (IPS) and Retirement Planning Review Present your comprehensive and customized investment solution Discuss customized fee options Discuss account set-up and smooth transitioning 6 Bannatyne Wealth Advisory Group Bannatyne Wealth Advisory Group 7

6 Your Investment Policy Statement Following a process of careful, thorough and systematic client discovery, we will develop your unique Investment Policy Statement (IPS). Your IPS is a comprehensive document that will serve as your blueprint. It is the foundation that outlines our investment relationship and serves as a reference to help ensure you are on track to achieve your goals. It includes the following elements: Asset Allocation Investor Profile Risk/Return Parameters Accountability What percentage of your investment portfolio should be allocated to cash, bonds (fixed income) and equities (stocks)? Exactly what type of investor are you? We take into account your age, financial circumstances, investment goals and experience, time horizon, and, most importantly, how much risk you feel comfortable taking. What can you expect your long-term rate of return to be, given the amount of risk we are undertaking? How does your portfolio return compare to your Investment Policy Statement? 8 Bannatyne Wealth Advisory Group Bannatyne Wealth Advisory Group 9

7 Those who try to time the market based solely on its value are vulnerable to disappointment. Those who time the market using a combination of fundamental analysis, technical and seasonal analysis greatly enhance their chances of realizing a profit or protecting against downside risk. Don Vialoux, Independent Analyst I have been dealing with Dave and his team for almost three years. In that time, I have found their recommendations to be both timely and effective. Their service, knowledge, and strategies have not only allowed me to preserve the value of my investments, but also to grow them through volatile market conditions. I have the utmost confidence that our retirement and estate goals will be achieved and I would not hesitate to recommend Bannatyne Wealth Advisory Group to anyone looking for a comprehensive plan, proactive investment advice, excellence in customer service and most importantly, peace of mind. Don Driscoll Former CEO and President NAL Oil and Gas Trust 10 Bannatyne Wealth Advisory Group Bannatyne Wealth Advisory Group 11

8 Implementation of Your Plan My wife and I have been clients of Bannatyne Wealth Advisory Group for many years. Dave provides us with proactive investment advice that is well-timed. Over the last couple of years Dave has introduced us to strategies that have not only provided protection for our investment portfolio during large swings in the market, but also allowed us to profit from the market volatility. In addition, the client service we have received has been excellent and we have very much enjoyed the many client events over the years. Don Sharp Retiree Once we have collectively determined your investment needs and objectives and formalized them in your IPS, there are a diverse range of portfolio strategies available. Our strategy will be tailored to you and will take into consideration your need for income, capital growth or a planned mixture of both. 80% 70% Fixed Income and Cash & Equivalents 20% 30% Conservative Portfolio 2.60 % Income 1.00 % Capital Growth 3.80 % Expected Return Balanced Income Portfolio 2.40 % Income 1.50 % Capital Growth 4.20 % Expected Return Equity 40% 20% 60% 80% Balanced Growth Portfolio 1.80 % Income 3.00 % Capital Growth 5.40 % Expected Return Growth Portfolio 1.40 % Income 4.00 % Capital Growth 6.20 % Expected Return Balanced Portfolio Aggressive Growth Portfolio 55% 45% 2.09 % Income 2.26 % Capital Growth 4.80 % Expected Return 100% 20% 1.00 % Income 5.00 % Capital Growth 7.00 % Expected Return The rates of return are projections only, and they incorporate certain assumptions including rates of return for various asset classes including cash, fixed income, and equities. These rates of return used for these various asset classes are based on information provided by TD Economics. 12 Bannatyne Wealth Advisory Group Bannatyne Wealth Advisory Group 13

9 Investment Principles A part of our strategy: Dividend bias Bottom-up quantitative screening Macro, top-down fundamental analysis Seasonal overlays and trends Technical analysis Where appropriate, option-writing strategies We believe in companies that pay dividends Simply put, we believe in companies that pay dividends and have the ability to grow them over time. This belief has been supported time and time again. We believe in a dividend bias because: Stocks with strong dividend growth tend to outperform their peers historically Dividends provide a clear indication of a company s strength and sustainability Dividends are a reliable contributor to enhanced performance Preferential tax treatment * is applied to dividends We believe option writing strategies can benefit your portfolio Where appropriate, we may use option strategies such as covered calls and cash-covered put writing. These strategies create opportunities for potential higher returns, as well as additional sources of income and yield. Furthermore, they can help manage risk and complement our active investment approach. We use option-writing strategies for several purposes: Reduce volatility Enhance returns Produce additional streams of income * Varies by province and differentiates between interest and dividend income 14 Bannatyne Wealth Advisory Group Bannatyne Wealth Advisory Group 15

10 Leveraging TD Bank Group s Specialists As a client of Bannatyne Wealth Advisory Group, you will have access to experienced specialists, who we will work closely with to provide you and your family with complete and holistic financial strategies. Our Promise to You Integrity. Confidence. Peace of Mind. High Net Worth Planning Private Giving Foundation We will: TD s wealth experts are specialists in their particular field and will work with you and our team to help preserve, grow and transfer your wealth for multiple generations. Private Banking Services Through our relationship with TD Wealth Private Banking, we take a holistic approach to meeting your personal, family and business financial needs through a wide range of wealth management, banking and credit solutions. Insurance Services If you re looking for a way to plan your giving more effectively and create a lasting legacy to support the charities that matter most to you, the Private Giving Foundation is an excellent solution. Trust & Estate Services This team s expertise in estate planning, estate and trust administration, taxation, and intergenerational wealth transfer is centred on developing solutions that reflect your unique situation, today and in the future. Always make understanding you our first priority. Respond to your calls and s promptly. Follow up as promised. Honour your overall risk profile and tailor our best investment recommendations to your unique goals and objectives. Keep you informed and provide you with regular updates on your individual holdings. Educate you and keep you apprised of what s going on in the market. Address both your wealth and your lifestyle goals, by embracing a holistic approach to wealth management. Our insurance specialists will support us in developing customized solutions that can help you protect and enhance your wealth today and in the years to come. Opposite (from left to right): Susannah Law, Assistant Investment Advisor, Dave Bannatyne, Investment Advisor. 16 Bannatyne Wealth Advisory Group Bannatyne Wealth Advisory Group 17

11 To learn more about how the Bannatyne Wealth Advisory Group can help provide you and your family with peace of mind and financial fulfillment, contact us today. Bannatyne Wealth Advisory Group TD Wealth Private Investment Advice 12 th Floor, Home Oil Tower th Ave SW Calgary, Alberta T2P 2Z2 T F Toll Free Bannatyne Wealth Advisory Group All insurance products and services are offered by life licensed agents of TD Waterhouse Insurance Services Inc. a member of TD Bank Group. Bannatyne Wealth Advisory Group is a part of TD Wealth Private Investment Advice. Bannatyne Wealth Advisory Group consists of David Bannatyne, Investment Advisor and Susannah Law, Assistant Investment Advisor. TD Wealth Private Investment Advice is a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto - Dominion Bank. TD Waterhouse Canada Inc. Member Canadian Investor Protection Fund. All trade - marks are the property of their respective owners. The TD logo and other trade - marks are the property of The Toronto - Dominion Bank MC

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