bessie miller wealth management

RBC Dominion Securities Inc.

Bessie Miller Wealth ManageMent of rBC DoMinion seCurities

Craig Bessie, B.sC., CiM, FCsi, CFP

Investment Advisor and Associate Portfolio Manager

ryan Miller, B.BuseC, MBa, llB, TeP


Our team provides a strategic and disciplined approach to wealth management for high-net-worth individuals and families who require a comprehensive advisory relationship.

BESSIE MILLER WEALTH MANAGEMENT OF RBC DOMINION SECURITIES 1

Wealth ManageMent solutions DesigneD for You

As you make progress towards achieving your goals in life, you may discover your financial situation becoming increasingly complex. When you reach this stage, and require professional assistance with the management of your wealth, we can help.

Backed by the century-old tradition of RBC Dominion Securities – Canada’s leading full-service wealth management firm – you can be confident that you will get the professional advice and services you need. Whether you’re looking for personal wealth management for yourself, your family or your business, we have the expertise to help you achieve your goals.

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Who Can We help?Our services are designed for individuals, families, businesses and organizations that require professional assistance managing their wealth.

■■ Successful executives looking to enhance the growth of their wealth

■■ Professionals requiring assistance with their personal assets and a trusted partner with shared clients

■■ Pre-retirees who want to develop and implement an investment and financial plan to make the most of their retirement

■■ Retirees requiring proactive strategies to maximize their after-tax retirement income, while protecting their financial security

■■ Well-established families seeking professional guidance transferring wealth to the next generation in a tax-efficient manner

■■ Business owners who need help managing their personal and business assets

■■ Foundations, not-for-profits and organizations who require an investment strategy to maximize the long-term sustainability of the organization


our Wealth ManageMent approaCh

We recognize that money is merely a means to an end. It’s about having the financial security you need to live your life the way you want. It’s about enjoying your success, spending time with your family, and creating memories that last for generations.

While money is just a means to an end, it still requires professional attention. Most importantly, it requires professional attention that acknowledges all your goals in life – not just financial goals. In addition to helping you manage your investments and finances, we help you plan your retirement, save for a family member’s education, protect your lifestyle, fund a major purchase or create your legacy. Whatever your goals, we can help. This is the essence of our approach to wealth management.

There’s More To WealTh Than Money

Wealth management goes beyond investment advice and money management to address a wide range of concerns related to both your financial and life goals. We provide expertise that can assist you in planning for all areas of your financial, tax and legal needs.

Wealth Management

InsurancePlanning

CharitableGiving

Education

RetirementPlanning

TaxPlanning

Credit &Lending

FinancialPlanning

Investing

EstatePlanning


strategiC equitY ManageMent

Within the context of an overall portfolio, equity ownership in high quality businesses can provide growth on invested capital as well as dividend income in most circumstances. Equities provide share ownership in a company that directly benefits from the profitability of the underlying operating business as well as indirectly from the long-term growth of the economy. Equities have historically been the strongest performing asset class over long periods of time but they also carry the most volatility or risk. It is for this reason that a defined and strategic equity management process is critical for the long-term success of your portfolio.

CoMPany seleCTion and analysis

The universe of companies, from which our Strategic Wealth Management Model portfolios are developed, only include companies that score well across the research disciplines described in the adjacent diagram. Confining your portfolio to these companies means that you will own companies with attractive potential within their peer group. It also gives you the resolve to ride out the inevitable bad markets, confident in the knowledge that such companies are likely to weather the downturn and be the outperformers when markets eventually turn up once again.


a DisCiplineD proCess is KeY

In our experience, a disciplined approach is the best way to mitigate the risks of investing, while taking advantage of the opportunities. Our Strategic Wealth Management Models follow an established, proven discipline for both buying and selling securities.

Buy/sell ProCess

With our Strategic Wealth Management Model portfolios, there’s no guesswork or emotion involved in deciding when to buy or sell. The decision to buy a certain stock is based on three research disciplines: fundamental, technical and quantitative analysis. Our decision process assists in managing your equity portfolio with a disciplined approach.

You can’t expect to always buy individual companies at the “low” or sell at the “high.” However, you can expect to have a portfolio that is structured to fit the current economic outlook and that is comprised of quality companies that have met our in-depth research and evaluation requirements.

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Equity Mandate

Ongoing Monitoring

Qualitative Analysis

Quantitative Screening

Analysis of Risk and Return Correlation Analysis Relative Strength Review

Company Fundamentals Industry Factors Corporate Governance Opportunities and Threats

Continued Analysis of Risk and Return Strategic Rebalancing Review of Market Environment


Our strategic fixed-income models provide our clients with exposure to a diversified range of fixed-income investments to protect against company-specific risk, credit risk and interest rate risk. By actively identifying oportunites in the fixed-income market, we are able to complement our buy and hold strategy with capital gains.

fixeD-inCoMe strategY

Fixed-income securities can provide investors a return in the form of fixed periodic payments and eventual return of principal at maturity. The purchase of a bond, treasury bill, Guaranteed Investment Certificate (GIC), preferred share or any other fixed-income product represents a loan by the investor to the issuer.

Why invesT in Fixed-inCoMe?Fixed-income securities are an important part of a well-diversified portfolio. For many investors, fixed-income investments are a secure, low-risk way to generate a steady flow of income. As long as they are held to maturity, fixed-income securities will provide a guaranteed return on your investment, with payments known in advance.

To most investors, fixed-income represents a conservative investment vehicle. However, investors purchase bonds for a variety of reasons, including regular income and the potential for capital gains.


seeking inCoMe

As a fixed-income investor, you may be faced with the dilemma of seeking growth in a low interest rate environment without losing the principal protection that fixed-income investments aim to provide. It can be hard to squeeze out a major interest payment from your fixed income portfolio. Our fixed income strategy provides a tailored solution to protect and diversify your investments without requiring you to take on unnecessary risk.

Our experienced team offers a personalized and flexible solution for your fixed income investments, whereby

we invest your funds in fixed-income investments in accordance with your investment mandate and time frame to provide safety of principle, flexibility and the highest yield.

saFeTy Through diversiFiCaTion

With the largest bond desk in Canada, we offer access to the most broad selection of fixed-income products available in our market. This includes a wide selection of fixed-income instruments available in Canada, the U.S. and global markets.

exPerTise in serviCe

Our experience and industry relationships, coupled with our purchasing power, allow us to offer truly independent and impartial advice while providing unparalleled service.

ease oF adMinisTraTion

Opening multiple accounts with more than one institution can be a timely and costly endeavour. We take pride in simplifying your accounting and administrative responsibilities. By investing with our team at RBC Dominion Securities, we provide you with a fixed-income strategy tailored specifically for you.


putting You first With a teaM approaCh

As our client, you will receive timely service and professional advice through our team approach. Our team members focus on different areas of client service, so you get the expert assistance you need when you need it.



Ryan graduated with a Bachelor of Economics, MBA (Finance) and a Bachelor of Laws. Ryan holds his Chartered Investment Manager (CIM) and Professional Financial Planner (PFP) designations, and is both options and futures licensed. He is a Fellow of the Canadian Securities Institute (FCSI) and a member of the Society of Trust and Estate Practitioners (TEP). Ryan has advised clients in wealth management and estate and trust planning since 2004.

Craig Bessie, B.sC., CiM, CFP, FCsi


Craig graduated with a Bachelor of Science from the University of Victoria. He holds his Chartered Investment Manager (CIM) designation, is options and derivatives licensed and is a Certified Financial Planner (CFP). Craig is recognized as a Fellow of the Canadian Securities Institute (FCSI) and has advised clients in wealth management and financial planning since 2004.

Byron grenda, B.MaTh

Associate

Byron assists our team with trading, portfolio modelling and the administrative functions for our clients. Byron graduated with a Bachelor of Math from Centenary College in Louisiana where he was on scholarship for baseball, a sport he continued to excel in while playing semi-pro for the Cook County Cheetahs in Illinois. Byron has assisted clients in the investment and banking industry since 2007.


Wealth ManageMent serviCes teaM

Helping you manage your investments is just one way we can help you manage your overall financial concerns. In addition to investing and money management, we offer assistance with financial planning, Wills and estates, and insurance strategies.

FinanCial Planning

Depending on your needs, we can provide a financial plan designed to help you build your financial future or, if you have more complex needs, an in-depth financial plan that leaves no stone unturned.

Will and esTaTe ConsulTaTion

A professional Will and estate consultant works closely with us to provide you with information on structuring your estate in an efficient and tax-effective manner. Following your Will and estate consultation, you will receive a report outlining various estate planning opportunities for you to explore in further detail with your own lawyer or accountant.

insuranCe sTraTegies

A highly qualified insurance specialist works with our team to help you create and preserve your wealth. We follow a comprehensive process to assess your needs and, if appropriate, recommend tax-exempt insurance products that will help you achieve your wealth management objectives.

ProFessional neTWork

We also offer access to our network of professionals such as lawyers and accountants to help ensure that the various issues related to the management of your wealth are properly addressed. If you have existing relationships with professionals in these areas, we would be pleased to work together with them to coordinate our efforts.

RBC Dominion Securities Inc.* and Royal Bank of Canada are separate corporate entities which are affiliated. *Member-Canadian Investor Protection Fund. Insurance products are offered through RBC Wealth Management Financial Services Inc. (“RBC WM FS”), a subsidiary of RBC Dominion Securities Inc. When providing life insurance products in all provinces except Quebec, Investment Advisors are acting as Insurance Representatives of RBC WM FS. In Quebec, Investment Advisors are acting as Financial Security Advisors of RBC WM FS. RBC DS WM FS is licensed as a financial services firm in the province of Quebec. RBC Dominion Securities Inc. is a member company of RBC Wealth Management, a business segment of Royal Bank of Canada. ®Registered trademarks of Royal Bank of Canada. Used under licence. © RBC Dominion Securities Inc. 2015. All rights reserved.

taKe the next step

Contact our team today to understand your real wealth and obtain peace of mind.

Craig Bessie, B.sC, CiM, FCsi, CFP

Investment Advisor and Associate Portfolio Manager604-665-0788 [email protected]


Investment Advisor and Associate Portfolio Manager604-665-5537 [email protected]

Byron grenda, B.MaTh

Associate604-257-7647 [email protected]

RBC Dominion Securities Vancouver Park Place 2500 - 666 Burrard StreetVancouver, BC V6C 3B1 Fax: 604-257-7391 Toll-free: 1-800-427-7766

bessie miller wealth management

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