Barnsdale & Hussain Wealth Management Group

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Estate Protection

Helping you build and effectively manage your wealth and investments is just one of the ways RBC Dominion Securities can help meet your needs. Using insurance strategies and other solutions, we can help you protect your wealth during your lifetime, preserve the value of your estate for your beneficiaries, and help you tax-effectively transfer your wealth to family members, a favourite charity or other beneficiary.

Explore how we can meet your estate planning needs:

Asset Protection
Wealth Transfer
Estate Settlement

Our estate planning solutions could be ideal if you:

Want a way to grow your assets while guaranteeing a payout for your beneficiaries
Are concerned about protecting your estate's assets and your income in the event of a disability, critical illness or long-term care situation
Need a tax-effective way to transfer your wealth to your beneficiaries
Need a way to meet the tax obligations of your estate and other estate settlement costs without liquidating or eroding your estate's assets
Want to make a one-time or ongoing gift to a charity or not-for-profit organization
Have been appointed as executor for an estate and need assistance with some or all of your duties

Access Manager Selection Program

Access a new level of investment management.

Have your investment needs grown too complex for simple, one-size-fits-all solutions? Do you find you lack the time (or knowledge) to properly manage your investment portfolio?

If you demand excellence, and want freedom from the day-to-day details of managing your wealth, now you can move up to a higher level of investment management with the Access Manager Selection Program.

Through this exclusive program, and with the help of your Investment Advisor, you can gain access to the world’s most elite investment managers for an investment as little as $100,000 per manager.

Key Benefits of the Access Manager Selection Program

Team of Elite Investment Managers

You have direct access to only the finest quality investment managers identified by one of the world’s foremost investment consultants— Lockwood Advisors Inc. Lockwood meticulously evaluates thousands of investment managers in order to arrive at a well-researched short list. From this list, your personal Investment Advisor will help you select the investment managers best suited for your portfolio.

Greater Control and Significant Tax Advantages

Unlike pooled investment programs, the Access Manager Selection Program offers you direct access to investment managers who can manage your investments within a customized portfolio. Instead of owning units within an investment pool, you have direct ownership of the securities in your portfolio. This gives you greater control and flexibility, and enables your investment managers to make strategic buy-and-sell decisions that can significantly enhance your after-tax returns.

Four-Step Process to Achieve Your Goals

It all starts with you, and your needs. Your Investment Advisor will guide you through a comprehensive four-step process designed to help you build a customized Access portfolio based on your specific needs and preferences. As a result of this process, you and your Investment Advisor will gain a clear understanding of your investment goals, risk tolerance, investment time horizon, income needs, liquidity requirements and more.

This four-step process includes:

Establishing your investment objectives.
Developing a personal strategy.
Selecting your investment managers.
Reviewing and evaluating your progress.

Convenience of an All-Inclusive Approach

This program offers you a variety of investment services for one convenient, all-inclusive fee. This includes screening and monitoring of investment managers, manager research and recommendations, selection of specialized managers, ongoing reviews, asset allocation and rebalancing, performance monitoring, a comprehensive quarterly review and much more.

The Access Manager Selection Program could be ideal if you:

Want an individually managed account that offers greater control, flexibility and unique tax advantages
Desire a personalized and disciplined investment approach to achieving your financial goals
Want access to top-rated investment managers best suited to your specific needs

Advisor Account

Experience the perfect partnership.

The RBC Dominion Securities Advisor Account is a special type of investment account designed to offer you a portfolio approach to investing and the simplicity of paying one annual, asset-based fee.

With an Advisor Account, you have access to a complete range of investment choices and financial planning services. Working directly with your Investment Advisor, you can plan, implement and make adjustments to your portfolio as needed—without paying additional transaction fees.

Key Features and Benefits of the Advisor Account

Make or approve all investment decisions, working in partnership with your Investment Advisor
Adjust your portfolio to meet changing market conditions and personal circumstances, without paying additional fees and charges
Receive expert portfolio planning and implementation services
Access timely market updates and top-ranked research, as well as convenient portfolio evaluation and monitoring tools online
Receive comprehensive quarterly and monthly reports summarizing all portfolio activity
Enjoy premium interest rates on a wide array of interest-bearing securities, commission-free mutual funds and exclusive access to low-cost mutual funds

An Advisor Account could be ideal if you:

Want control over your investments, with the advice and support of an Investment Advisor
Desire a flexible yet disciplined long-term approach to investing
Want to know your fees in advance to plan for your total brokerage costs

Parameters Portfolios

Your Parameters for Success

To succeed as an investor, you need more than just the good fortune to ”pick the winners.” You need a proven process that doesn’t take chances with your success. Parameters Portfolios follow three guiding principles to help you achieve your investment objectives:

Diversify across industry sectors in a way that fits the global economic outlook
Always own high quality companies in each sector
Adhere to a disciplined approach

Unlike mutual funds or pooled investments, Parameters Portfolios give you direct ownership of the securities in your investment portfolio. This approach provides more flexibility and several important tax advantages.

Key Features and Benefits of Parameters Portfolios

Follows the proven, disciplined process of the RBC Investment Strategy Committee
Professionally managed by RBC Asset Management, one of Canada’s leading investment managers
No embedded capital gains, meaning you are not taxed on capital gains made prior to your purchase
Gives you control over certain decisions (such as avoiding stocks you already own)
Allows you to transfer securities from another portfolio
Includes monthly statements, quarterly portfolio review, annual tax-reporting package and more

Designed to Fit Your Investment Style

Another key benefit is that Parameters Portfolios come in seven different styles to meet your specific investment objectives. These include:

Canadian Equity Portfolio
U.S. All-Cap Equity Portfolio
North American All-Cap Equity Portfolio (U.S. focus)
International ADR Portfolio (Europe/Asia focus)
Canadian Laddered Bond Portfolio, consisting of all government of Canada and provincial bonds
Canadian Balanced Portfolio, consisting of 60% equity and 40% fixed income
IPP Canadian Balanced Portfolio, consisting of 60% equity and 40% fixed income (complies with pension guidelines)

Parameters Portfolios could be ideal if you:

Want to delegate day-to-day investment decisions to professional money managers while retaining control over some decisions
Desire above-average returns over the long term
Have at least $100,000 to invest per mandate ($75,000 for the Canadian Laddered Bond Portfolio)
Want a convenient, all-inclusive fee structure based on your assets invested