INDEPENDENCE

What is an independent financial advisor?

Offer impartial financial advice Not affiliated with a financial institution Offer a wide range of solutions (access to all industry suppliers) Assess individual & corporate financial needs Recommend tailored strategies Prioritize client interests, without favoring specific products

Benefit from our access to a wide range of renowned fund companies, as well as world-renowned portfolio management experts, including:

Desjardins FundsManulife InvestmentsTD Wealth ManagementDesjardins SecuritiesNational BankCIBC Asset Management Inc.Fidelity InvestmentsScotia Global Asset ManagementInvescoRGP Investments;Franklin Templeton InvestmentsAnd many more...

A network of experienced specialists at your service

Our team offers you an extensive network of experienced specialists to assist you with your legal, tax and financial needs. Our partners include accountants, tax professionals, actuaries, notaries, lawyers and mortgage brokers, working closely with us to meet your needs.*

*Services offered via a referencing agreement with our partners.

The value of an advisor is made up of the following elements: *According to Russell Investments in 2023

A: Rebalancing - Portfolio Assets

When you regularly rebalance your portfolio, your advisor sells your high-yielding securities and buys low-yielding securities. Not only does this help you realize your gains, but it can also help sweeten returns. When it comes to our portfolio, don't we prefer a smooth ride rather than a bumpy ride?

Most importantly, keeping your asset allocation within the original guidelines helps align your portfolio with your risk tolerance and the expectations you have for your money. Keeping you on track and reasonably comfortable is how your advisor can add value.

C: Behavioral support

Even leaving the market for a short period of time can result in lost returns. The fact is, you never know when it will be a good day or a bad day in the market. Market performance can be influenced by all sorts of factors, from stock-specific news, geopolitical events, new data (such as employment statistics), or even technical triggers. This is why the market is so unpredictable. However, its long-term trend is upward. In fact, the S&P/TSX Composite Index (which represents Canadian stocks) has ended the year in positive territory 74% of the time since 1924. (Source: Morningstar Direct. As of December 31, 2022. In CAD. Balanced portfolio: 60% MSCI World Index and 40% Bloomberg Canada Aggregate Bond Index. Cash: S&P Canada Treasury Bill Index. Index returns are past returns which are not indicative of future returns, and are not representative of a specific investment. The indices are unmanaged and you cannot invest directly in them. The performance shown does not include fees or other costs that would have reduced returns.)

P: Experience and personalized family wealth planning - TRUE WEALTH MANAGEMENT IS VALUABLE

Financial PlanningTrust ServicesCreasury ManagementWealth EducationSuccession PlanningTax Planning and Family Estate RelationsIncome and Distribution ManagementLifestyle and LeisureIndustrial and Technical InformationCareer and WorkAsset DistributionCommunity and GivingManager SelectionAsset Distribution

F: Tax-advantaged planning and investing

It's one thing to pay taxes on your investment portfolio when you've enjoyed a good return. But when your portfolio deteriorates, as it did in 2022, and you still have to pay taxes on your investments, it can be particularly painful. Without proper tax management, you could end up paying more taxes than necessary every April. Our investments can trigger a myriad of taxes: taxes on dividends, on interest, on capital gains distributions or on the sale of shares, for example. Tax-aware advisors who structure your portfolio and choose solutions that help manage investment taxes can provide significant value. For example, an advisor who understands the different tax rates on different types of distributions can ensure that you protect interest income in a registered account, such as a registered retirement savings plan (RRSP) or an account. tax-free savings (TFSA). Or they can help you with structuring your portfolio so that the distributions you receive from your non-registered accounts are comprised of capital return.

The indices are not managed and it is impossible to invest directly in them. Returns are past returns which are not indicative of future returns, and which are not representative of a specific investment. Past performance is no guarantee of future performance. No part of the content of this publication constitutes legal, tax, securities or investment advice. It is also not an opinion regarding the suitability of any investment or a solicitation of any type. This information is available “as is”. Russell Investments Canada Limited makes no representation or warranty with respect to this information. Forecasts are predictions of market values and trading volumes made using various analytical data. These are not projections of the securities market or any particular investment. Russell Investments is the trading name of a group of companies under common administration, including Russell Investments Canada Limited. Russell Investments' ownership consists of a majority interest of funds managed by TA Associates and a minority interest of funds managed by Reverence Capital Partners. Certain of Russell Investments' employees as well as Hamilton Lane, LLC also hold non-controlling minority interests. Frank Russell Company is the owner of the Russell trademarks contained herein and all trademark rights relating to the Russell trademarks, and licenses them to members of the Russell Investments group of companies. Members of the Russell Investments group of companies are in no way affiliated with Frank Russell Company or any other entity operating under the “FTSE RUSSELL” brand. Copyright © Russell Investments Canada Limited 2023. All rights reserved.