Protect, grow and transfer your wealth for future generations
|
|
- Milton Dorsey
- 6 years ago
- Views:
Transcription
1 INVESTMENT, TRUST AND ESTATE PROGRAM Franklin Templeton Investments Private Client Group has been successfully offering investment management solutions and services to Canadian investors for over 20 years. We are a trusted and proven investment management boutique, backed by the global strength of Franklin Templeton Investments, giving you access to world-class portfolio managers and exclusive investment opportunities. For more information on Franklin Templeton Investments Private Client Group, please speak to your investment advisor. Protect, grow and transfer your wealth for future generations Franklin Templeton Investments Private Client Group is a part of Fiduciary Trust Company of Canada, a wholly-owned subsidiary of Franklin Templeton Investments Corp. Suite 2101, 1 Adelaide St. E., Toronto, Ontario, Canada M5C 3B8 Suite 3100, 350 Seventh Ave. S.W., Calgary, Alberta, Canada T2P 3N9 Toll Free: Facsimile: privateclient@franklintempleton.ca A wealth of experience. An exclusive opportunity. A partnership you can trust. A wealth of experience. An exclusive opportunity. A partnership you can trust. 2072HNWDE(0205)
2 WE CAN HELP YOU PREPARE FOR THE FUTURE ARE YOU PREPARED? CAN YOU BE CONFIDENT YOUR ESTATE WILL BE DISTRIBUTED THE WAY YOU INTENDED? You know the importance of a sound investment plan. You have worked hard to accumulate your estate, but have you taken the time to plan what will happen to it when you pass away? Do you know who will settle your estate on your behalf? If you have not made these plans, you are not alone. Almost 70% of Canada s most affluent households have not developed a written plan for the financial management of their estate after their death.* Over the years, we have seen many investors fail to spend enough time planning for the eventual transfer of their estate to succeeding generations. Failure to consider how your wealth will be passed on to future generations results in an incomplete wealth plan. An Incomplete Wealth Plan Portfolio? Retirement Planning GROWTH Earning PROTECTION Saving Home Buying Franklin Templeton Investments Private Client Group has been providing discretionary wealth management solutions to Canadian investors for over 20 years. Through the years, our knowledgeable and personalized approach is one that high net worth investors have come to know, and trust. For this reason, we are committed to helping our clients build customized wealth plans. However, successful wealth management is much more than just investing. A complete wealth management strategy deals with the protection, growth, and transfer of accumulated wealth. We can now make this process much simpler for you and your investment advisor. Our unique Investment, Trust and Estate Program pairs our global investment strength with the will and estate planning expertise of our parent company, Fiduciary Trust Company of Canada, working with your designated independent legal advisor to make it easier for you to build wealth that can truly withstand time. You qualify to participate in the Investment, Trust and Estate Program if: You invest a minimum of $500,000 with Franklin Templeton Investments Private Client Group (this can include our mutual funds, pooled funds and managed solution investment options); and You wish to appoint Fiduciary Trust Company of Canada as your professional executor/ co-executor or trustee/co-trustee. We encourage you to use our Executor and Trustee Questionnaire to help you decide whether a professional executor or trustee is right for you. *Source: IPSOS Reid INVESTMENT, TRUST AND ESTATE PROGRAM 1
3 WHAT OUR INVESTMENT, TRUST AND ESTATE PROGRAM OFFERS YOU THE WEALTH PLAN: PROTECTING, GROWING AND TRANSFERRING Our Investment, Trust and Estate Program brings together Franklin Templeton Investments Private Client Group s world-class investment management capabilities with the professional estate services of our parent company, Fiduciary Trust Company of Canada. The Program gives you and your investment advisor a complete solution that ensures that your wealth is nurtured and effectively perpetuated across future generations. That s peace of mind. With experience settling the most complex of estates, we lend a seasoned guiding hand to make the protection, growth and transfer of your wealth a seamless continuum. We offer the following trust and estate-related services through Fiduciary Trust Company of Canada: Will and estate planning We will partner with you, your investment advisor and your designated independent legal advisor to develop an integrated and thorough estate plan that enables your beneficiaries to receive the greatest benefit possible. Trustee and executor services We will work on behalf of your estate to execute your will and estate plan to minimize taxes, resolve administrative problems, and provide prompt and proper distributions of assets to the beneficiaries of the estate at a very competitive price. Benefits of our Investment, Trust and Estate Program By participating in our Program you will: Gain peace of mind knowing that your estate will be efficiently administered and the value of the property transferred to your loved ones will be maximized Be confident that both your investment objectives and your estate planning objectives will be achieved Overcome the normal obstacles that lead to procrastination about estate planning Obtain a professionally prepared will (and related documents) at reduced cost Reduce the financial burden that your death might place upon your family Conduct an ongoing review of your personal and financial affairs, ensuring that your plan is reflective of your current circumstances You know the importance of a sound investment plan. Combining your investment blueprint with a will and estate plan is a crucial next step. In fact, it is one of the most important things you can do to preserve your financial legacy. Our Investment, Trust and Estate Program bundles together all of the elements of a complete wealth plan and makes it as convenient as possible for you to obtain all of the following services through your investment advisor: Management of your Franklin Templeton Investments investment portfolio (minimum $500,000) Professional executor and trustee services by Fiduciary Trust Company of Canada Expert advice on your will and other estate planning documents by Fiduciary Trust working together with your designated independent legal advisor Wills, Powers of Attorney, Health Directives, and Trust Deeds prepared for you by our network of independent legal advisors, with a portion of the cost reimbursed to you by Franklin Templeton Investments Private Client Group* *Please speak to your investment advisor to determine the maximum amount that is reimbursable as this varies by province. Estate Planning Portfolio Wealth Transfer TRANSFER Retirement Planning GROWTH Earning PROTECTION Saving Home Buying 2 FRANKLIN TEMPLETON INVESTMENTS PRIVATE CLIENT GROUP INVESTMENT, TRUST AND ESTATE PROGRAM 3
4 PROTECT AND GROW: INVESTMENT MANAGEMENT OPTIONS TRANSFER: WILL AND ESTATE PLANNING Growing your wealth is an important part of achieving your personal goals and ensuring your family s future security. An integral first step is choosing the most appropriate investment solution for you. Franklin Templeton Investments delivers unparalleled world-class management from one global platform, providing leading investment solutions to help you meet, and exceed, your goals for financial growth. The Investment, Trust and Estate Program offers you and your investment advisor access to Franklin Templeton s extensive research and proprietary investment management, its global network of 53 offices located in 30 countries, and its 400 portfolio managers and analysts who work around the clock to find the best investment opportunities for you. Franklin Templeton Investments flexible, diversified investment solutions can incorporate: Multi-Manager/Styles Platforms A diverse array of investment styles and platforms to suit your needs and risk tolerance Mutual Funds Access to over 48 distinct Franklin Templeton Investments mutual fund mandates Fund-of-Funds Actively-managed fund-of-fund portfolio solutions Private Client Solutions Pooled funds and separately managed portfolio solutions for high net worth investors GARP Over 20 years of investment success in the Canadian market. Growth at a Reasonable Price (GARP) approach consistently produces superior, risk-adjusted returns. Expertise across a range of asset classes: equity, income and balanced. growth Over 30 years of growth-style investing experience in the U.S. Over 40 years of expertise managing growth equities globally. in companies with strong revenues and profit projections or leading-edge products and processes. Specializing in U.S., international and specialty equities. deep value 50+ years of deep value investment expertise. Investment style provides risk protection during down markets. Employing a strategy of buying assets at 50 cents on the dollar. value Over 50 years as global investors. Bargain hunters, employing a bottomup, value-oriented approach to stock selection with a longterm perspective. Over 50 research analysts and portfolio managers located worldwide. An estate plan establishes how you wish your assets to be distributed after death so that your beneficiaries receive the greatest benefit possible. That s why a well-conceived and consistently updated estate plan is perhaps the greatest gift you can leave to your heirs. Serving as executor is a monumental and highly involved responsibility. For a friend or family member charged with that responsibility, it can be overwhelming and stressful. At Fiduciary Trust Company of Canada, executor responsibilities are placed in the hands of our experienced estate professionals. Their familiarity with the everchanging tax and estate laws arms them with the skill and sensitivity to properly administer the terms of your will. Our will and estate planning services cover: Protecting the financial interests of future generations Minimizing taxes, administrative expenses and delays Planning a smooth and amicable settlement of your affairs Ensuring the long-term management of your estate We can serve as sole executor, co-executor, or agent for executor. 4 FRANKLIN TEMPLETON INVESTMENTS PRIVATE CLIENT GROUP INVESTMENT, TRUST AND ESTATE PROGRAM 5
5 PROTECT AND TRANSFER: TRUSTEE SERVICES HOW THE INVESTMENT, TRUST AND ESTATE PROGRAM WORKS STRUCTURED WITH YOU, AND YOUR FUTURE GENERATIONS, IN MIND As your investment counsellor, trustee and/or executor, we will work closely with your investment advisor, lawyer and other professionals to protect, grow and transfer your wealth to future generations as seamlessly as possible. Our Program begins when you meet with your investment advisor to structure your investment portfolio. From there, this is an overview of how the Program works to ensure that your complete wealth plan is carried out according to your wishes: Planning your Investments Planning your Estate A trust is one of the most powerful and flexible ways to ensure property and wealth is managed according to your intentions either during, or after, your lifetime. A trust can give you control over more aspects than an ordinary will and can ensure that the financial security of your loved ones will endure for years to come. Fiduciary Trust Company of Canada draws upon the experience and sensitivity of its officers to provide you and your investment advisor with access to domestic and international trust services for a range of purposes: Managing assets for one or more beneficiaries until they are able to do so independently Reducing the complexity and cost of settling your estate and minimizing your exposure to income taxes Providing for a family member with special needs Establishing ownership of a property in the most favourable legal jurisdiction We are capable of serving as sole trustee or co-trustee for a range of trust options. We can either work in concert with your existing legal team, or refer you and your investment advisor to a network of professionals with whom we have working relationships. Work with your investment advisor to determine your optimal investment solution 4. Reviewing your Plans Fiduciary Trust will complete an annual review of your Record of Personal and Financial Affairs Summary Complete the detailed Trust and Estate Diagnosis with your investment advisor and return to Fiduciary Trust Once the Diagnosis is received by Fiduciary Trust, a customized fee quotation will be forwarded for your approval via your investment advisor After you have approved and returned the fee quotation, Fiduciary Trust will prepare a detailed Will Plan and a Record of Personal and Financial Affairs Summary. This stage may include direct communication from Fiduciary Trust. 3. Implementing your Estate Plan A designated independent legal advisor* will review the Diagnosis with you and prepare your legal documents (Will, Power of Attorney, Health Directive, Trust Deed) You will need to meet with the lawyer to review and sign documents 6 FRANKLIN TEMPLETON INVESTMENTS PRIVATE CLIENT GROUP *Fiduciary Trust Company of Canada will designate you an independent legal advisor, or you may choose to use your own lawyer. Franklin Templeton Investments Private Client Group will reimburse a portion of the legal cost of preparing these documents to you through a rebate of investment management fees (not available to registered accounts) or by way of a cash refund. Please speak to your investment advisor to determine the maximum amount that is reimbursable as this varies by province. INVESTMENT, TRUST AND ESTATE PROGRAM 7
6 PROTECT YOUR INVESTMENT, AND YOUR FAMILY: THE ADVANTAGES OF APPOINTING A CORPORATE EXECUTOR By enlisting the services of a corporate executor, you and your investment advisor can significantly lessen the burden on your family. Through the years, we have gained extensive experience managing the emotional sensitivities that are an inevitable part of the estate planning process. Many people mistakenly believe that it is an honour to be appointed as executor. In fact, it is an enormous responsibility. Our enclosed Executor and Trustee Questionnaire will help you to decide if it would be more appropriate for you to spare your family this burden by appointing a professional executor. As your financial partner in the wealth management and transfer process, we can: Offer you and your investment advisor a unique opportunity to bring together two logical halves seamlessly: investment management and the services you need to transfer your wealth to future generations Help you gain the peace of mind of knowing your estate is in the hands of a trusted professional with over 20 years of experience Access world-class portfolio managers, exclusive investment opportunities, and competitive fee structures 8 FRANKLIN TEMPLETON INVESTMENTS PRIVATE CLIENT GROUP
Private Client Services. Helping preserve, grow and transfer wealth to the people and causes you care about
Private Client Services Helping preserve, grow and transfer wealth to the people and causes you care about TABLE OF CONTENTS 1 Personalized services delivered by an experienced team 3 Disciplined investment
More informationAUSTIN CAPITAL TRUST COMPANY
AUSTIN CAPITAL TRUST COMPANY Providing for the long-term financial security and safety of assets PROTECTING RESOURCES BY PROVIDING THE RIGHT SERVICES Austin Capital Trust Company s role is to help protect
More informationRetirement Checklist. Making the most of your retirement
Retirement Checklist Making the most of your retirement RBC Wealth Management RBC Wealth Management provides comprehensive services designed to address your multi-faceted financial concerns, simplify your
More informationRetirement Checklist. Making the most of your retirement
Retirement Checklist Making the most of your retirement 2 Making the most of your retirement RBC Wealth Management RBC Wealth Management provides comprehensive services designed to address your multi-faceted
More informationPRESERVING YOUR LEGACY
PRESERVING YOUR LEGACY Caring for what s important to you is important to us. That s why we offer a full range of trust and estate planning services to protect your family and your legacy. PRESERVING
More informationBuilding a bridge to the future
An Educational Guide for Families and Individuals Building a bridge to the future Personalized Trust and Wealth Management Services Financial Strategies Managing the details of a friend or family member
More informationThe importance of assistance
TRANSFERRING Estate Planning Guide for Ontario Resident The importance of assistance Table of contents Creating Your Legacy.... 02 Steps in Setting Up an Estate Plan.... 02 1. Gather Your Information............................................
More informationFrom downturn to upside
New thinking on business succession for today s economy Today s business conditions may be challenging, but they could represent the business succession opportunity of a lifetime. A white paper from RBC
More informationTESTAMENTARY TRUSTS WHAT IS A TRUST?
TESTAMENTARY TRUSTS REFERENCE GUIDE While most people have heard about trusts, many do not really know what they are or what benefits they offer and often incorrectly believe that trusts are only for wealthy
More informationREFERENCE GUIDE Testamentary Trusts
REFERENCE GUIDE Testamentary Trusts Although this material has been compiled from sources believed to be reliable, we cannot guarantee its accuracy or completeness. All opinions expressed and data provided
More informationPutting what s important to you first
Putting what s important to you first The MassMutual Trust Company strives to meet your unique and personal wealth management needs. Choosing the MassMutual Trust Company for your personal trust and fiduciary
More informationChoosing the right charitable giving strategy
Giving Smarter: Choosing the right charitable giving strategy With 84% of Canadians giving charitable donations of $12.8 billion annually (according to Statistics Canada s General Social Survey on Giving,
More informationSimplify, preserve and enhance.
Simplify, preserve and enhance. Your wealth is the cumulative result of your hard work, discipline, and astute management. Yet the opportunities it affords may also come with unique responsibilities,
More informationPlease understand that this podcast is not intended to be legal advice. As always, you should contact your legal CREATING YOUR WEALTH TRANSFER PLAN
CREATING YOUR WEALTH TRANSFER PLAN Hello and welcome. Northern Trust is proud to sponsor this podcast, Creating Your Wealth Transfer Plan based on our book titled Legacy: Conversations about Wealth Transfer.
More informationEarly on, your needs were simple. The memory of
Client Guide Early on, your needs were simple. The memory of investing your first hard-earned dollars is etched in your mind. As you established yourself and began to experience success, your needs changed.
More informationYour Will Planning Workbook
Your Will Planning Workbook Preparing your Will Glossary of terms..................................... 2 Introduction......................................... 3 Your estate.........................................
More informationReference Guide TESTAMENTARY TRUSTS
Reference Guide TESTAMENTARY TRUSTS While most people have heard about trusts, many do not really know what they are or what benefits they offer and often incorrectly believe that trusts are only for wealthy
More informationTAX, RETIREMENT & ESTATE PLANNING SERVICES. Your Will Planning Workbook
TAX, RETIREMENT & ESTATE PLANNING SERVICES Your Will Planning Workbook Preparing your Will Glossary of terms... 1 Introduction... 2 Your estate... 2 Beneficiaries of your estate Your spouse... 3 Your children...
More informationLGBT individuals and non-traditional families.
PERSONAL WEALTH MANAGEMENT A Collaborative Approach to Solving Issues Affecting LGBT Individuals and Non-Traditional Families MODERN FAMILIES WITH UNIQUE FINANCIAL NEEDS As an attorney, accountant or trusted
More informationYour Will Planning Workbook
Your Will Planning Workbook Preparing your Will Glossary of terms... 1 Introduction... 2 Your estate... 2 Beneficiaries of your estate Your spouse... 3 Your children... 3 Others... 4 Personal and household
More informationIntegrity Confidence Peace of Mind. Bannatyne Wealth Advisory Group
Integrity Confidence Peace of Mind Bannatyne Wealth Advisory Group Bannatyne Wealth Advisory Group At Bannatyne Wealth Advisory Group, we empower our clients to build and maintain their wealth, delivering
More informationPRIVATE CLIENT MANAGED PORTFOLIOS. Investor Profile Questionnaire
PRIVATE CLIENT MANAGED PORTFOLIOS Investor Profile Questionnaire enhance. Simplify, preserve and ASSANTE PRIVATE CLIENT INVESTOR PROFILE QUESTIONNAIRE INTRODUCTION Determining the right investment strategy
More informationFamily Wealth Transfer
Family Wealth Transfer It can be difficult. Creating and growing significant wealth is hard. Likewise, the process of preserving and stewarding assets for you, your family, and your charitable priorities
More informationEarly on, your needs were simple. The memory of
Client Guide Early on, your needs were simple. The memory of investing your first hard-earned dollars is etched in your mind. As you established yourself and began to experience success, your needs changed.
More informationInvest with Peace of Mind
issued by Transamerica Life Canada Invest with Peace of Mind managed by CI Investments Inc. issued by Transamerica Life Canada Invest with Peace of Mind Growth with Protection Is protecting your investment
More informationALTERNATIVE INVESTMENTS
ALTERNATIVE INVESTMENTS FIERA CAPITAL ALTERNATIVE INVESTMENT SOLUTIONS Fiera Capital combines the flexibility and efficiency of an alternative investment strategies manager with the deep resources of a
More informationSTAYING ON COURSE. Separation, divorce and your finances
STAYING ON COURSE Separation, divorce and your finances This guidebook provides ideas and suggestions to help you stay on course during separation and divorce. While it is designed as a comprehensive resource,
More informationFocus on Funds As of December 31, 2009
Focus on Table Of Contents Page Review of the Markets........................................ 1 Money Market Fund.......................................... 2 Accumulative Income Fund.....................................
More informationYour Unique Needs as an Affluent Investor
Investor Guide Your Unique Needs as an Affluent Investor You have worked hard to create your wealth and your priority is to maintain it. You have needs that are unique and complex. You seek sophisticated
More informationExpert resources to meet your wealth management needs. RBC Wealth Management Services
Expert resources to meet your wealth management needs RBC Wealth Management Services Much of the expertise that you would normally expect to only find within a Family Office is now available through your
More informationPersonal Trust Services
Personal Trust Services Morgan Stanley Trust National Association 1 Morgan Stanley Trust, N.A. is dedicated to providing comprehensive and customized trustee services to wealthy families. As an experienced
More informationBENEFITING FROM PROFESSIONAL TRUST SERVICES
BENEFITING FROM PROFESSIONAL TRUST SERVICES A professional trust company offers just the right level of specialized services and support. All so you can spend more time doing what you enjoy. BENEFITING
More informationChoosing a Trustee. Peace of mind. Redefined.
Choosing a Trustee Peace of mind. Redefined. Your Wealth. What does it mean to you? Your vision. Understood. A family s legacy. Secured. Through hard work and good luck, Maine native Max Whittier participated
More informationthe Private Trust Company gain peace of mind Simplified Trust Solutions
the Private Trust Company gain peace of mind Simplified Trust Solutions What is a Trust? As the nation s leading independent broker/dealer*, LPL Financial serves the independent financial advisor with
More informationSSQ GIF PORTFOLIOS. Distinctive, diverse, and multi-purpose funds. Investment
SSQ GIF PORTFOLIOS Distinctive, diverse, and multi-purpose funds Investment TABLE OF CONTENTS Turn-key solutions...2 Excellent diversification...3 Multi-manager approach...4 Selection and monitoring process...5
More informationA client s guide to world-class money management
A client s guide to world-class money management A sophisticated, comprehensive investment program as unique as you are. CI Private Investment Management Managing your wealth effectively means more than
More informationConsider what estate planning is all about. In its essence, estate. Perspectives in Estate Planning
Perspectives in Estate Planning For many of us, estate planning is something we know we should do but somehow manage to postpone until some indefinite tomorrow; or, once having done a plan, put it away
More informationHow You Could Benefit From a Relationship with Cadence Wealth Services
How You Could Benefit From a Relationship with Cadence Wealth Services An e-book examining the challenges associated with building, preserving and transferring wealth and how Cadence Wealth Services can
More informationRBC Dominion Securities Inc. Bow Valley Wealth Management Group of RBC Dominion Securities
RBC Dominion Securities Inc. Bow Valley Wealth Management Group of RBC Dominion Securities Life is busy, time is precious and managing finances can be complicated and overwhelming. That s why at Bow Valley
More informationEstate planning using life insurance
Estate planning using life insurance With the right life insurance strategy, you can safeguard who and what you care about, while creating opportunities for your wealth to go further. To take advantage
More informationClient Guide. managed by CI Investments Inc. issued by Sun Life Assurance Company of Canada
Client Guide managed by CI Investments Inc. issued by Sun Life Assurance Company of Canada World-class portfolio management and a broad choice of investments Together, CI Private Investment Management
More informationThe Navigator. Check off all 10 items on this financial to-do list. RBC Wealth Management Services
RBC Wealth Management Services The Navigator Your Financial To-Do List Check off all 10 items on this financial to-do list Many of us go through an annual ritual of setting resolutions. Improving health
More informationWhere to begin with new beginnings?
The Navigator INVESTMENT, TAX AND LIFESTYLE PERSPECTIVES FROM RBC WEALTH MANAGEMENT SERVICES Estate planning for blended families Where to begin with new beginnings? Karim Visram Private Wealth Management
More informationsample Advisor letterhead June 30, 2004 John Doe 1234 Yonge Street Toronto, Ontario M4T 3R5 RE: CI Portfolio Series Investment Policy Statement
Advisor letterhead June 30, 2004 John Doe 1234 Yonge Street Toronto, Ontario M4T 3R5 RE: CI Portfolio Series Investment Policy Statement Dear John, I am pleased to provide you with your CI Global Balanced
More informationFall Key Advisor. Dealer news and tips
Fall 2015 Key Advisor Dealer news and tips CEO Outlook By Gregg Strong When we think about estate planning, many of us focus on how to minimize taxes when assets transfer to our heirs and beneficiaries.
More informationThe single fund solution. Continuum Portfolios
The single fund solution Continuum Portfolios The single fund solution At Canada Life, we understand it can be difficult to choose and manage investments that meet your financial goals. That s why your
More informationWhy should I take the time to plan? 2. Questions/considerations 2. How do I get started? 2. Planning checklist 4
Advanced Planning Estate planning 101 Estate planning involves outlining goals and objectives, organizing your financial affairs, planning the distribution of your assets and communicating your intentions.
More informationUSING IRA ASSETS TO ADDRESS YOUR WEALTH TRANSFER GOALS
U.S. TRUST FIDUCIARY SERVICES FOR MERRILL LYNCH CLIENTS USING IRA ASSETS TO ADDRESS YOUR WEALTH TRANSFER GOALS Trusteed IRAs from U.S. Trust WHAT S INSIDE Support from Merrill Lynch and U.S. Trust Beyond
More informationWill Planning To Meet Your Estate Needs
Many people recognize that a Will is an essential component of the estate planning process but they fail to give this subject the time or consideration that it requires. It is important to remember that
More informationYour invitation to TD Wealth Private Investment Advice
Your invitation to TD Wealth Private Investment Advice It isn t just about where you are today, it s about where you see yourself tomorrow Add our momentum to yours Imagine the heights you could reach
More informationPortrait Portfolio Funds
Investment Solutions Standard Life Mutual Funds Portrait Portfolio Funds A solution in their image For advisor use only. This document is not intended for public distribution. Expertise of a truly global
More informationAdvisor Guide FOR ADVISOR USE ONLY NOT FOR DISTRIBUTION TO CLIENTS
Advisor Guide FOR ADVISOR USE ONLY NOT FOR DISTRIBUTION TO CLIENTS Managed solutions can provide many benefits to your practice. Their convenience allows you to shift your time from portfolio construction
More informationF OCUSED ON Y OUR F INANCIAL F UTURE
F OCUSED ON Y OUR F INANCIAL F UTURE CM COBURN & MEREDITH, INC. Established 1934 Our mission and dedication is to give you financial peace of mind. The Coburn & Meredith Value Coburn & Meredith, Inc. was
More informationSSQ PRIVATE WEALTH MANAGEMENT
SSQ PRIVATE WEALTH MANAGEMENT Investment SSQ Financial Group is a company with its values in the right place because it is comprised of people who uphold our core values, who care deeply about the work
More informationILLUMINATING A BRIGHTER WORLD OF INVESTMENTS
ILLUMINATING A BRIGHTER WORLD OF INVESTMENTS SUN LIFE GLOBAL INVESTMENTS CORPORATE PROFILE At Sun Life Global Investments, the investor is at the core of everything we do. From creating new investment
More informationAspire. Pursue. Realize. The Fleet Private Clients Group
Aspire. Pursue. Realize. The Fleet Private Clients Group Dedicated to the pursuit of excellence The Fleet Private Clients Group is a specialized division of Fleet with capabilities designed to meet the
More informationEstate planning. Client guide. The right plan can make everything easier
Estate planning Client guide The right plan can make everything easier Some surprises in life are good, like winning the lottery or unexpectedly running into an old friend. But what happens to your money
More informationYour Sophisticated, Yet Simple Portfolio CLIENT GUIDE
Your Sophisticated, Yet Simple Portfolio CLIENT GUIDE fieramilano complex, Milano, Italy Sophisticated, Yet Simple Portfolio Series is a family of seven portfolio funds, each carefully crafted to match
More informationFREQUENTLY ASKED QUESTIONS
FEDOR CAMARGO WESTON PLC A T T O R N E Y S A N D C O U N S E L O R S FREQUENTLY ASKED QUESTIONS Estate Planning and Wealth Preservation At Fedor, Camargo & Weston PLC, we view each client on a broad spectrum,
More informationLETTER OF TRANSMITTAL FOR REGISTERED UNITHOLDERS OF INTER PIPELINE FUND
THIS LETTER OF TRANSMITTAL IS FOR USE ONLY IN CONJUNCTION WITH THE PLAN OF ARRANGEMENT INVOLVING INTER PIPELINE FUND, PIPELINE MANAGEMENT INC., INTER PIPELINE LTD. INTER PIPELINE GP CORP. AND ITS SHAREHOLDERS,
More informationPLANNING WITH CONFIDENCE. Simplified Trust Solutions
PLANNING WITH CONFIDENCE Simplified Trust Solutions Named the largest of America s Most AdvisorFriendly Trust Companies by The Trust Advisor magazine,* we are dedicated to serving families and individual
More informationInsurance Solutions for Individual Needs
Insurance Solutions for Individual Needs This brochure looks at some of the different needs individuals can experience and it shows how insurance can help meet those needs. Leaving a Legacy at Death Life
More informationINVESTOR PROFILE QUESTIONNAIRE
INVESTOR PROFILE QUESTIONNAIRE PRIVATE CLIENT MANAGED PORTFOLIOS PRIVATE CLIENT MANAGED PORTFOLIOS INTRODUCTION 1 PRIVATE CLIENT INVESTOR PROFILE QUESTIONNAIRE Determining the right investment strategy
More informationStaying on Course. Separation, divorce and your finances
Staying on Course Separation, divorce and your finances This guidebook provides ideas and suggestions to help you stay on course during separation and divorce. The information is not intended to provide
More informationAttractive option for college saving
Tomorrow s Scholar 529 Age-Based Portfolios Attractive option for college saving... connecting to the future Not FDIC Insured May Lose Value No Bank Guarantee INVESTMENT MANAGEMENT Introduction The goal
More informationYour legacy. The importance of Estate Planning. Macquarie Adviser Services
Your legacy The importance of Estate Planning Macquarie Adviser Services Contents Make a will, now 01 Make a will, now 03 Who gets your Super? 04 Life insurance 05 The right structure 06 Power of attorney
More informationYour Retirement Plan Strategy
Building financial security since 1958 Your Retirement Plan Strategy Expert Advice Innovative Options Personalized Service We deliver the superior service you deserve, backed by the expertise you expect.
More informationIt s easy to get started
Client Guide It s easy to get started You and your advisor create an investor profile based on your discussions and responses to the Portfolio Select Series questionnaire. Based on the profile, you and
More informationA Tool to help you gather the information you will need before you seek legal counsel to prepare your will.
Will Planning Guide A Tool to help you gather the information you will need before you seek legal counsel to prepare your will. Provided by: Canadian Physicians for Aid and Relief (CPAR) 1425 Bloor Street
More informationIndividual Asset Transfer
ADVISOR USE ONLY Individual Asset Transfer ADVISOR GUIDE Life s brighter under the sun INTRODUCTION If you type insurance as an asset class in your favourite internet search engine, you may be surprised
More informationIN TRUSTS WE TRUST: Tax and Estate Planning Using Inter Vivos Trusts
IN TRUSTS WE TRUST: Tax and Estate Planning Using Inter Vivos Trusts Jamie Golombek Managing Director, Tax & Estate Planning CIBC Private Wealth Management Estate planning is the process of making arrangements
More informationTaxation of your RRSP/RRIF at death
The Navigator RBC Wealth Management Services Estate planning for your RRSP/RRIF Throughout your life, many opportunities and choices will arise that have financial implications both for the short and long
More informationinsight to build investments that work
insight to build investments that work INNOVATIVE INVESTMENT SOLUTIONS Sun Life Global Investments offers a broad and growing selection of investment mandates to choose from. Our experienced Portfolio
More informationDIVERSIFIED PORTFOLIOS OF CANADIAN CONSTRUCTION MORTGAGES
DIVERSIFIED PORTFOLIOS OF CANADIAN CONSTRUCTION MORTGAGES MARSHALLZEHR FIRST MORTGAGE FUND MARSHALLZEHR MORTGAGE OPPORTUNITIES FUND CAPSTONE MORTGAGE POOL INTRODUCTION We know that as an investor, you
More informationPrudential Financial Solutions. Planning for Life with. A Unique Personal Advisory Process Designed to Help You Grow and Protect Your Wealth
PRUDENTIAL FINANCIAL PLANNING SERVICES Planning for Life with Prudential Financial Solutions A Unique Personal Advisory Process Designed to Help You Grow and Protect Your Wealth Finally, financial planning
More informationBe informed. Be secure. Be well-advised.
Be informed. Be secure. Be well-advised. Advice is as good as the person who gives it. Therein lies the secret of our success. And of yours. Sean Etherington President Assante Wealth Management At Assante
More informationGifting. Charities. The donation credit
Gifting Why not use your hard-earned money to make a difference, by helping out the people you care for the most, or your favorite charity? Meanwhile, you benefit from the opportunity to reduce your taxes.
More informationLEAVING A LEGACY. Helping you fulfill your vision through estate planning and charitable giving.
LEAVING A LEGACY Helping you fulfill your vision through estate planning and charitable giving. [ ] LEAVING A LEGACY YOUR ADVISOR IS EQUIPPED WITH THE RESOURCES, KNOWLEDGE AND EXPERIENCE TO HELP YOUR
More informationWill Planning To Meet Your Estate Needs
Many people recognize that a Will is an essential component of the estate planning process but they fail to give this subject the time or consideration that it requires. It is important to remember that
More informationWorld Selection Portfolio
World Selection Portfolio Access to the world s leading investment managers The World Selection Portfolio service leverages the expert capabilities and guidance of portfolio managers at HSBC, and from
More informationSelling a Farm or Ranch? What You Need to Know
Selling a Farm or Ranch? What You Need to Know Selling the family farm or ranch can be a difficult and emotional decision. It is also one that can trigger complex tax and income issues. Accordingly, proper
More informationNFP Structured Settlements
NFP Structured Settlements Personal injury plaintiffs oftentimes find themselves in uncharted territory. While the process can be new and uncertain, you can make your settlement secure, assured and long-lasting.
More informationEstate Planning. Insight on. Keep future options open with powers of appointment
Insight on Estate Planning October/November 2011 Keep future options open with powers of appointment A trust that keeps on giving Create a dynasty to make the most of today s exemptions Charitable IRA
More informationmackenziefinancial.com How to Use Segregated Funds
mackenziefinancial.com How to Use Segregated Funds M a c k e n z i e S e g r e g a t e d F u n d s A V a l u a b l e S e t o f B e n e f i t s The Segregated Fund Basics A segregated fund is an investment
More informationRETIREMENT CHECKLIST MAKING THE MOST OF YOUR RETIREMENT
RETIREMENT CHECKLIST MAKING THE MOST OF YOUR RETIREMENT HELPING YOU MAKE THE MOST OF YOUR RETIREMENT If you are getting close to retirement, or have just recently retired, there are many financial details
More informationDELAWARE ADVANTAGE PERSONAL TRUSTS
PNC Advisors DELAWARE ADVANTAGE PERSONAL TRUSTS Solutions to help you plan your clients wealth management strategies more effectively www.pncadvisors.com At PNC Advisors, we know the Delaware trust solutions
More informationA PRIMER ON WILL AND ESTATE PLANNING
A PRIMER ON WILL AND ESTATE PLANNING 2001 Stephen L. Sweeney. All Rights Reserved Introduction Basic Will planning often done by young couples early in their careers and before they have accumulated significant
More informationDefined Contribution Plans
RETIREMENT SERVICES Defined Contribution Plans Innovative solutions for your retirement plan $ CONFIDENT AWARE UNCERTAIN FOR PLAN SPONSOR USE ONLY. INVEST INSURE RETIRE The of vision MassMutual is an innovator
More informationMaking decisions that will affect your life and the lives of those you care about is a deeply personal experience.
TD Wealth Making decisions that will affect your life and the lives of those you care about is a deeply personal experience. At TD, we believe that each client s needs and goals are truly unique, and that
More informationAGENT FOR EXECUTOR SOLUTIONS
AGENT FOR EXECUTOR SOLUTIONS BEING AN EXECUTOR ISN T EASY I ve never been an executor before. I don t know where to start. I want to make sure that I take care of the estate and the beneficiaries properly.
More informationPrivate Client Services
Private Client Services Helping you plan now with confidence in the future Helping preserve, grow, and transfer wealth to the people and causes you care about Contents 1 Personalized services delivered
More informationTestamentary charitable trusts
Testamentary charitable trusts Your vision Your contribution Your legacy Create a meaningful, philanthropic legacy by establishing an AET testamentary charitable trust. Do you want to create a significant
More informationCorporate retirement plan services. RBC Wealth Management: serving plan sponsors and participants
Corporate retirement plan services RBC Wealth Management: serving plan sponsors and participants RBC Wealth Management Your trusted partner for a successful retirement plan Global resources Depend on exceptional
More informationtax strategist the Executor decisions 7 FAQs about being a personal representative Giving away your business without giving away the store
the July/August 2007 tax strategist Executor decisions 7 FAQs about being a personal representative Giving away your business without giving away the store Intrafamily loans It s personal and it s business
More informationINVEST TO A HIGHER STANDARD
A Better Solution for Your Savings INVEST TO A HIGHER STANDARD Better value for your money - effective diversification, top expertise and more attention paid to rebalancing your portfolio Core and alternative
More informationBECOME THE KEY TO YOUR CLIENTS WEALTH PRESERVATION
COVER STORY BECOME THE KEY TO YOUR CLIENTS WEALTH PRESERVATION HOW TO USE LPL S HELP TO LEAVE NO OPPORTUNITY BEHIND PLAN 32 LPL Magazine Winter 2016 Only 18% of affluent investors are receiving estate
More informationBMO NESBITT BURNS. Group of Funds. a sound investment choice for your future
BMO NESBITT BURNS Group of Funds a sound investment choice for your future a world of managed growth investing, reassuringly close to home The BMO Nesbitt Burns Canadian Stock Selection Fund The Fund is
More informationRetirement planning YOUR GUIDE
Retirement planning YOUR GUIDE Choices today can lead to freedom tomorrow What s inside Introduction...1 Lifestyle planning...2 Potential sources of retirement income..5 Life insurance...6 Maximizing after-tax
More informationThe Importance of Family Discussions About Mortality and Estate Planning
The Importance of Family Discussions About Mortality and Estate Planning Each family has to determine the degree to which openness about estate plans and associated mortality considerations fits its own
More informationAlphabet Soup. Understanding CI s fund classes
Alphabet Soup Understanding CI s fund classes CI Investments offers a broad range of investment fund classes to suit how you and your clients achieve their investment goals. You may prefer compensation
More information