BUILDING FINANCIAL STRATEGIES FOR SUCCESSFUL FAMILIES

TABLE OF CONTENTS

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Introducing our team 2

Our team of professionals 3

Richardson GMP; A Passion Capital firm 4

Introducing our approach 5

Our partnership 6

Evaluation 7

Foundation 8

Customize 9

Build 10

Monitor 11

Partner with us 12

• Dependable and knowledgeable

• Focused, hands on approach, through

sound fundamental and technical

analysis

• Open architecture philosophy that

aligns solutions to each individual client

needs and vision of their financial future

• Critical thinking and a network of

financial professionals create plans and

portfolios customized to clients needs

• Dedicated to earning your trust as

architects of your wealth plan.

INTRODUCING OUR TEAM

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RICHARDSON GMP;

A PASSION CAPITAL FIRM

• Creed: we believe in the importance of independence

and professional, unbiased advice in helping Canadians

build, manage, and protect their wealth.

• Culture: our partnership-based culture focuses on the

strength of relationships that a boutique firm builds

through an open and collaborative platform.

• Courage: we are selective about which Investment Advisors best fit our model and are the first wealth

management company in Canada to embrace a fiduciary-level standard (e.g. CEFEX certification for

Richardson GMP’s Portfolio Management Account platforms). We aren’t afraid to take a stand.

• Brand: we continue to make a name for ourselves as Canada’s leading independent firm.

We stand for quality, independence, and unbiased advice—and each day we get better known for it.

• Resources: we continue to build out our platform to support the distinct needs of our clientele

(e.g. Tax and Estate Planning Team). We are not everything to everyone. We are smart about where we

spend our time, talent, and money.

• Strategy: we are positioning ourselves as the wealth management firm of choice for successful Canadian

families.

• Persistence: we’ve built our firm with the right people and resources to a scale where we dominate

our niche.

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OUR APPROACH

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OUR PARTNERSHIP.

You set the goals.

To build the right plan for you, we develop a full

understanding of your family’s background,

priorities, goals and aspirations. Like a team of

architects, we believe it is important to have a

clear understanding of your vision before we

prepare the financial blueprint.

• What will your wealth help you achieve?

• Where do you see yourself in five years?

Your family?

• What would you like to change about your

current lifestyle?

• How often do you monitor the markets?

Your portfolio?

• What does an ideal retirement look like to you?

• How involved are you/do you want to be in

portfolio decisions?

Evaluation

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OUR PARTNERSHIP.

A network of financial professionals

for all your wealth planning needs.

Tax and financial planning: Net worth and cash flow projections;

income splitting opportunities; use of tax planning vehicles, cross-

border tax issues; tax-loss selling; capital gains exemption/

deferral; professional incorporation; principal residence exemption.

Retirement planning and income funding: Financial projections;

comparing pension alternatives; identifying capital requirements to

retire early; timing of pension receipts; CPP/QPP and OAS

planning; issues for “snowbirds”; retirement residence planning.

Estate planning: Will planning; choosing an executor; planning

for elder care; minimizing estate conflicts; use of Lifetime (Inter-

Vivos) or Testamentary Trusts; tax minimization.

Insurance solutions: Risk management; estate preservation;

tax-efficient alternative investments; living benefits; also

includes a detailed policy review; new business management;

life, disability, long term care, and critical illness insurance.

Succession planning for businesses and property:

Technical issues regarding business succession (estate freeze,

sale of assets vs. shares, shareholder agreements); family

governance structures, separating family/ownership/management.

Philanthropy assistance: Private and public foundations and

donor-advised funds; donating publicly-listed securities and stock

options; donations upon death/gifts of life insurance.

Financial Foundation

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OUR PARTNERSHIP.

The foundation of your family wealth plan.

• Collaborative approach to

information gathering.

• We step back, work out details and

construct a plan that is customized

for your unique financial needs.

• We pool our resources and recruit

experts to ensure a solid, safe and

appropriate structure.

Customized Financial Blueprint

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OUR PARTNERSHIP.

We create and execute solutions

guided by the financial blueprint.

• We meet with you in person to ensure we

have captured all of your requirements

and that you are comfortable with our

recommendations and strategy.

• There is always room for modifications.

We can adjust the plan to ensure you

are 100% satisfied. Your plan will

accommodate changes in your priorities

throughout your life.

• Only once we have a mutually agreed

upon, clear understanding of your goals,

do we move forward with the next step

in construction; implementing your

customized financial blueprint.

Building and Implementation

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OUR PARTNERSHIP.

We monitor progress and keep you informed.

In-person portfolio reviews

• Assess progress on your wealth plan.

• Discuss investment performance in detail.

• Adjust strategy based on any changes in your lifestyle or

aspirations.

• Discuss modifications required in light of changing

regulations or market developments.

Published reports

• Customize reporting based on your requirements.

• Receive detailed account statements on a monthly or

quarterly basis.

• Access to research reports and market insights/updates

on a daily, weekly or monthly basis.

Online Account Access

• View portfolio holdings in real time.

• Group multiple accounts together to view consolidated

holdings.

• Access/download statements.

• Access GMP Securities L.P. research reports and

commentaries.

• View quotes and charts on funds, equities and options.

Monitor, evaluate and review

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THE McKENZIE TEAM

Brian McKenzie, MBA, CIM, AIFP®

Director, Wealth Management

Tel.: 403.776.6224

Brian.Mckenzie@RichardsonGMP.com

Leelund Mansley

Associate

Tel.: 403.776.6228

Leelund.Mansley@RichardsonGMP.com

Visit www.BrianMcKenzie.net

Richardson GMP Limited

525 8th Avenue SW

Suite 4700

Calgary, AB T2P 1G1

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The opinions expressed in this report are the opinions of the author and readers should not assume they reflect the

opinions or recommendations of Richardson GMP Limited or its affiliates. Assumptions, opinions and estimates constitute

the author's judgment as of the date of this material and are subject to change without notice. We do not warrant the

completeness or accuracy of this material, and it should not be relied upon as such. Before acting on any

recommendation, you should consider whether it is suitable for your particular circumstances and, if necessary, seek

professional advice. Past performance is not indicative of future results.

The comments contained herein are general in nature and are not intended to be, nor should be construed to be, legal or

tax advice to any particular individual. Accordingly, individuals should consult their own tax advisors for advice with respect

to the tax consequences to them, having regard to their own particular circumstances.

Insurance services are offered through Richardson GMP Insurance Services Limited in BC, AB, SK, MB, NWT, ON, QC

and PEI. Additional administrative support and policy management are provided by PPI Partners. Insurance products are

not covered by the Canadian Investor Protection Fund.

Richardson GMP Limited, Member Canadian Investor Protection Fund. Richardson is a trade-mark of James Richardson

& Sons, Limited. GMP is a registered trade-mark of GMP Securities L.P. Both used under license by Richardson GMP

Limited.

May 2014

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