Paul Ballett - Service pillars

1. Wealth management planning	• Portfolio review • Asset allocation • Time horizon • Withdrawal strategies • Investment policy statement • Stock concentration • Review of investments held outside the firm
2. Estate planning services & charitable giving	• Gifting to family and charity • Multi-jurisdiction planning • Trusts • Irrevocable life insurance trusts • Charitable services and donor-advised funds • Estate planning services for unique family situations
3. Retirement planning	• Retirement goal setting • Social Security and Medicare • Business owner solutions • IRA contributions and conversions • Employer-sponsored plans and 401(k)s • Annuities and pensions • RMDs and withdrawal strategies • Self-employed retirement plans
4. Risk management & insurance	• Review of existing policies • Life insurance needs • Long-term care insurance • Disability insurance • Liability coverage
5. Cash flow & budget	• Income sources • Expenses and budgeting • Debt management • One-time expenses • Planned large expenses • Emergency funding
6. Assistance to loved ones	• Gifting • Education planning • 529 college savings plans • Roth IRAs for children • UGMA/UTMA
7. Income tax strategies	• Review of cost basis • Review of realized gains • Carry forward losses • Tax-loss harvesting • Deductions and credits • Potential Roth conversions • Health savings and flexible spending accounts

For more information regarding college savings plans, please visit <a href="http://www.collegesavings.org/">www.collegesavings.org</a>. Participation in a 529 Plan does not guarantee the investment return on contributions, if any, will be adequate to cover future tuition and other higher education expenses. State programs vary and therefore you should carefully review individual program documents before investing or sending money. Federal income tax on the earnings and a 10 percent penalty on distributions for non-qualified expenses may apply. RBC Wealth Management is not a tax advisor. All decisions regarding the tax implications of your individual investments should be made in connection with your independent tax advisor. Insurance products are designed as long-term vehicles with stated objectives. The insurance product is an obligation of the issuing insurance company and not RBC Capital Markets, LLC nor its RBC Wealth Management division.  Any guarantees, warranties, or product benefits, including benefits allowed by riders, are subject to the claims-paying ability of the insurance company. Insurance products include charges such as administrative fees, annual contract fees, mortality and risk expense charges and may include surrender charges.  Expenses and fees of the product maybe subject to change and may fluctuate during the life of the contract. See contract or prospectus for details. RBC Capital Markets is acting as an agent for the underwriting insurance company. Insurance Products are underwritten by and policy approval is subject to the underwriting standards of the issuing insurance company and not RBC Capital Markets. The insurance company has the right to transfer or sell the insurance product to another insurance carrier, and in so doing, must inform the client at that time of the client’s right as a policy owner. Investments in variable products will fluctuate and values upon redemption may be less than the original amount invested. Investors should consider the investment objectives, risks, and charges and expenses of an annuity carefully before investing. Prospectuses containing this and other information about the annuity are available by contacting your RBC Wealth Management financial advisor. Please read the prospectus carefully before investing to make sure that the annuity is appropriate for your goals and risk tolerance.

Great Circle Process

Service pillars