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: 1.877.266.7801 Facsimile: 1.866.850.8241 privateclient@franklintempleton.ca www.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)
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
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
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
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: 1. 2. 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
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