Harp Dhillon Group Private Wealth Managers of RBC Dominion Securities

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1 RBC Dominion Securities Inc. RBC Dominion Securities Inc. Harp Dhillon Group Private Wealth Managers of RBC Dominion Securities 1 Harp Dhillon Group Private Wealth Managers of RBC Dominion Securities A comprehensive approach to wealth management

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3 Harp Dhillon Group Private Wealth Managers of RBC Dominion Securities 1 Wealth managers focused on delivering results As you enjoy greater success in life, your financial affairs become more complex and demand more of your time. Working with a team of professionals who you can trust and who understand your family s needs enables you to focus on what s important. The Harp Dhillon Group Private Wealth Managers of RBC Dominion Securities is that team. Providing trusted advice for over two decades, we can help navigate you through todays increasingly compicated markets, guiding you through each one of your life stages.

4 2 Harp Dhillon Group Private Wealth Managers of RBC Dominion Securities Who are our clients? We work exclusively with high-net-worth individuals who have investable assets in excess of $1 million. Our clients have diverse backgrounds and receive a high level of care. Typically, they include: Successful business owners and executives looking to grow and protect their personal and business assets Health care professionals who are busy running their practice Well-established families seeking professional guidance on charitable giving, retirement planning and transferring wealth to the next generation What are they saying about us? My extended family and I have been very pleased with the manner in which Harp and his dedicated staff have assisted us with estate planning and investment objectives. We have placed our full trust in him to guide us in making complex decisions and have never been disappointed. His dedication is second to none and I would highly recommend him to anyone. Susan W. Harp has done a wonderful job putting together a unique solution for me and my family. I am always happy with his recommendations and feel comfortable having Harp as my go-to person for any questions I have. Dr. Sharif The way Harp has leveraged his professional network to strategize a complete solution, and his ongoing commitment to my success, is unbelievable. Service like the kind he provides remains the reason why I continue to comfortably bank with RBC. Mrs. Koch Over the past 10 years, we have always been very satisfied with Harp and his capable team! Specifically, they are very attentive and we know we can count on them for the best return on our investment. They all seem to care and have our best interest at heart! Christine B. Since our first meeting with Harp, he has proven to be someone we can completely trust managing our investment portfolio. He and his team continuously provide a superior level of service and attention to detail of our ongoing affairs. John T. We are very pleased with the service that Harp and his team provide. They helped us set up a plan for our retirement years, continuously keep us informed, and are always working toward our goals. The entire team has a great attitude and it is always a pleasure to visit with them. Aren V.

5 Harp Dhillon Group Private Wealth Managers of RBC Dominion Securities 3 Some manage the parts, we manage the whole Wealth management goes beyond investment advice and money management to address a wide range of concerns related to both your financial and life goals. It s about having financial security, enjoying your success, spending time with your family and creating a legacy that lasts for generations. As your family s personal chief financial officer, it is our job to ensure your success and that no stone goes unturned. To help us meet the needs of our clients, we employ an extended team of accredited professionals who cover all facets of your wealth management. Personal advice Financial planning Investing Tax planning Charitable giving Wealth management planning Retirement planning Estate Insurance planning Credit & lending Education RBC solutions

6 4 Harp Dhillon Group Private Wealth Managers of RBC Dominion Securities An investment process that you can understand The most successful investors are those who stick to a disciplined plan. We have also found that clients who understand their investment plans are highly likely to stick to it when times invariably get rocky. We prioritize education, ensuring that you understand and are confident in your tailored wealth strategy. Our general investment philosophy is simple to understand, even though the work that goes into it is quite complex. We invest in high-quality businesses that have a proven track record of making money, growing their dividends and have the sustainability power to last generations. Impact and socially responsible investing What if your investment portfolio could play a role in solving some of the world s most vexing problems while supporting your retirement goals? What if the innovation and enthusiasm of entrepreneurs could be harnessed to address societal issues that are important to you? This is possible with Impact Investing. As socially conscious advisors, our investments are often guided by strong social values. In addition to traditional financial analysis, we also incorporate factors such as environmental sustainability, social responsibility and corporate governance (also known as ESG) into our decision-making process. We strongly believe that not only does socially responsible investing feel good, it also makes good economic sense, as companies that operate responsibly tend to be better performing and will be better off in the future.

7 Harp Dhillon Group Private Wealth Managers of RBC Dominion Securities 5 Private Investment Management With Private Investment Management, you can gain financial freedom. Picture your life without having to oversee your investment portfolio, and without having to worry. What would you do with that free time? Instead of sitting at your computer monitoring the markets, you could devote those hours to that big project at work. You could vacation really vacation without stressing about the TSX or NASDAQ. You could spend quality time with your loved ones, building memories and living life as it s meant to be lived. With Private Investment Management, that life is possible. We are privileged to be among the few wealth management teams qualified to offer RBC s Private Investment Management program. We ll work with you to develop an investment policy statement a road map to your goals. Once that s complete, the rest is our responsibility. Within specified guidelines, we ll make all the day-to-day investment decisions on your behalf to respond to and anticipate the changing market and economic landscape. Now that s total financial freedom.

8 6 Harp Dhillon Group Private Wealth Managers of RBC Dominion Securities Focusing on you with a team approach We work as a team and every member specializes in different areas. You deserve a premium level of service, and since we ensure that we are always here when you need us, you will have a primary contact in each area. Harp Dhillon, CIM, FCSI, CFP, CIWM Vice-President & Portfolio Manager Being brought up in a farming family that barely made ends meet, Harp always felt that his family was at a disadvantage of not knowing enough about managing finances. From a young age, he had a desire to learn more and help his family grow their wealth. Harp didn t realize it at the time, but this passion would carve the path to his career as an Investment Advisor. Today, Harp is known in the industry for his experience and knowledge in dealing with complex wealth management situations. For over two decades, he has guided wealth families and business owners toward and through life s financial milestones. Whether the topic is business succession, charitable giving, legacy planning or how to pass the torch on to the next generation, Harp is seen as the go-to expert. A strong believer in continued education, Harp has obtained the Certified International Wealth Manager (CIWM) designation, and was named an Ambassador of the course by the Canadian Securities Institute. He has achieved two of the other highest designations awarded in the industry, Certified Financial Planner (CFP) and Fellow of the Canadian Securities Institute (FCSI). Harp is highly regarded and recommended within the RBC community as he was recognized as one the Best of B.C. by RBC, and is also a Top Tier Executive Council Member of RBC Dominion Securities. Harp is passionate about contributing to his community and has been recently appointed for his second term as a Board Member for Surrey Hospital and Outpatient Centre. In addition, he has been a member of the hospital s finance committee for over five years, guiding decisions for the Foundation s investment portfolio. Harp and his team have raised funds and volunteered for numerous organizations, including Eversafe Ranch, the B.C. Children s Hospital and Surrey Food Bank. Harp is married to an accountant, Harinder, and they reside in the South Surrey area with their two daughters. Away from office, Harp spends many hours with his daughters training for field hockey. He also enjoys travelling, the outdoors and going to the gym.

9 Harp Dhillon Group Private Wealth Managers of RBC Dominion Securities 7 David Fotheringham, CFA, CFP Associate Advisor & Financial Planner David is a Certified Financial Planner (CFP) and Chartered Financial Analyst (CFA) who brings to the team a wealth of knowledge and expertise that has been earned over the last 10 years of helping clients reach their financial goals. Ethical decisionmaking, trust, hard work and determination are the cornerstones of David s commitment to providing clients with the highest level of wealth management services available. Specializing in income planning and wealth transition, David is highly experienced in the field of investment and retirement planning, and works with clients in order to help them build, maintain and transfer their wealth over generations. David lives in Cloverdale with his wife and daughter. He has a passion for adventure, travel and soccer. Ranu Dhaliwal Associate Ranu joined RBC Dominion Securities in 2005, and has been working with Harp since the beginning. Her responsibilities straddle two main functions: wealth management and client service. An integral part of the group, she is fully aware of each client s portfolio and their unique requirements. Ranu provides fundamental support to the team in day-to-day investment management. She is committed to excellence and professionalism in customer service and office administration. Ranu graduated from Okanagan University College with a Bachelor in Business Administration. She currently resides in Cloverdale and enjoys family time with her son, daughter and husband. Some of her favourite activities include hiking, swimming and travelling. Dayle Jeras Assistant Dayle joined our team with experience in retail banking, a bachelor s degree in finance and economics, as well as her mutual funds licence with the Investment Funds Institute of Canada. She is committed to our clients and determined to provide the highest level of client service by utilizing her skills in organization, operations and attention to detail. Dayle lives in Langley with her fiancé and her dog Pippa. She grew up playing soccer and continued playing at the University of the Fraser Valley. She now spends her time golfing, skiing and doing yoga.

10 8 Harp Dhillon Group Private Wealth Managers of RBC Dominion Securities Extended wealth management services team Dana George, LL.B Will & Estate Consultant Dana obtained her Bachelor of Social Work degree from the University of Calgary in 1999 and earned her Bachelor of Laws degree from the University of Calgary in She was called to the Bar in Alberta in 2003 and in British Columbia in Prior to joining RBC Dominion Securities, Dana practiced law in Calgary and Vancouver. Dana was a litigator at a mid-sized firm before starting her own firm in In 2010, she joined a law firm in Vancouver specializing in estate and trust planning, estate administration, and also advised business owners in all corporate, succession and real estate matters. Arne Perrin, B.Comm. (Hons), CFP Estate Planning Specialist Specializing in estate planning, Arne provides solutions to various wealth management issues using insurance-based strategies. Arne can focus on both personal and corporate insurance solutions to help increase your net worth and reduce the impact of taxation today and at death. His process involves understanding your personal and corporate objectives, and then providing information on Wills, incapacitation and trust planning. Arne then works with your accounting and legal advisors toward developing an integrated estate plan.

11 Harp Dhillon Group Private Wealth Managers of RBC Dominion Securities 9 The resources of Canada s leading wealth management firm RBC Dominion Securities has been helping investors achieve their goals since Today, the firm is Canada s leading provider of wealth management services, trusted by more than 400,000 clients worldwide. Whether you are looking to build your financial future, protect what you have already built or create a lasting legacy for your family, we have the expertise and resources you need. As a member of RBC, Canada s largest financial institution, Harp Dhillon Group Private Wealth Managers of RBC Dominion Securities also offers access to a complete range of financial services.

12 Harp Dhillon Group Private Wealth Managers of RBC Dominion Securities 10 Take the next step contact Harp Dhillon today for a complimentary consultation. Harp Dhillon Group Private Wealth Managers of RBC Dominion Securities Croydon Dr. Surrey, B.C. V3Z 0S8 Tel: Toll-free: 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. 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 All rights reserved. 17_90810_TTP_002