Edstrom Leipold International Group - Patina Nation - A Leading … · 2018. 11. 14. · Edstrom Leipold International Group 2 Non-deposit investment products offered through RBC

Edstrom Leipold International GroupFocused on your financial future

RBC Wealth Management1000 North Water Street, Suite 1500 | Milwaukee, WI 53202 Phone: (414) 347-7210 | Toll free: (800) 933-3246 Fax: (414) 347-7670 www.edstromleipoldinternationalgroup.com

Jonas EdstromSenior Vice President – Financial Advisor Senior Consulting GroupDirect: (414) 347-7210 [email protected]

Kyle LeipoldFirst Vice President – Financial Advisor Assistant Branch Director, Consulting GroupDirect: (414) 347-7086 [email protected]

Kaj EdstromFinancial AdvisorDirect: (414) 347-7004 [email protected]

Michael JohnsonSenior Registered Client AssociateDirect: (414) 347-7119 [email protected]

Paula RobareSenior Client AssociateDirect: (414) 347-7090 [email protected]

1 RBC Wealth Management

RBC Wealth Management1000 North Water Street, Suite 1500 Milwaukee, WI 53202

Phone: (414) 347-7210 Toll free: (800) 933-3246 Fax: (414) 347-7670

www.edstromleipoldinternationalgroup.com

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Edstrom Leipold International Group 2

Non-deposit investment products offered through RBC Wealth Management are not FDIC insured, are not a deposit or other obligation of, or guaranteed by, a bank, and are subject to investment risks, including possible loss of the principal amount invested.Trust services are provided by third parties. Neither RBC Wealth Management nor its financial advisors are able to serve as trustee. RBC Wealth Management does not provide tax or legal advice. All decisions regarding the tax or legal implications of your investments should be made in connection with your independent tax or legal advisor.

The benefit of a primary advisor relationshipCoordinating on your behalf

Successful wealth management requires the skill and coordination of a wide range of professionals. While these specialists have expertise in their individual fields, the services they provide may affect the work others are doing on your behalf. Even though you have a team of highly trained professionals, you may not want to be responsible for keeping the lines of communication open between them.

As your primary advisor, your financial advisor at RBC Wealth Management can take the lead role in helping you accomplish your financial goals. This includes partnering with your:

• CPA

• Attorney

• Trust officer

• Private banker

• Insurance specialist

Your financial advisor is able to manage your professional relationships for you and has the freedom to choose from a wide variety of products and services to deliver optimal wealth management solutions.

With access to RBC’s global resources, your financial advisor also has the flexibility to work in concert with trusted internal and external partners to expand financial opportunities for you, including holistic recommendations regarding growing assets, managing risk, creating a retirement income and creating your legacy.

Insurance specialist

Trus

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Priv

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Fin

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Client

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planning

planning

annuities

Retirement Investments

Cash

Lend

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Rese

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EducationInsurance &

Estate


We will honor our relationship with you. When you work with the Edstrom Leipold International Group, we take the time to listen and understand your needs and take seriously the safety and security of your money and investments.

We will be fully invested in your success. We will help you stay on track to meet your goals through intelligent financial strategies, in-depth analysis of your investments and regular feedback on your progress.

We will be with you every step of the way. Your needs and goals will change over time. The Edstrom Leipold International Group will be there to provide ongoing advice along with the exceptional service you deserve — through the ups and downs of markets and economic cycles.

Our commitment to you


Our teamJonas EdstromSenior Vice President – Financial Advisor, Senior Consulting GroupDirect: (414) 347-7210 [email protected]

Jonas was born in Stockholm, Sweden, and grew up in Asia and Europe. He has three university degrees: a Master of Business Administration degree from

Loyola Marymount University, a Master of International Affairs degree from Washington University and a Bachelor of Science degree from Fontbonne College. Jonas has worked and lived in numerous locations throughout the world before moving to the United States in 1994. He spent his first 10 years in the brokerage industry working both as a manager and a financial advisor for Edward Jones Investments. Jonas also volunteered a trainer and mentor for new brokers. He joined A.G. Edwards, a predecessor firm of Wells Fargo Advisors, in October 2006. Jonas provides clients guidance with portfolio asset allocation. He is married to Suzie and has three children: Hanna, Lena and Kaj. In the community, Jonas volunteers as a board member for a local nonprofit organization.

Kyle LeipoldFirst Vice President – Financial Advisor, Assistant Branch Director, Consulting GroupDirect: (414) 347-7086 [email protected]

Kyle grew up in Neenah, Wisconsin, and has lived in Chicago, Indianapolis and Ireland. He works primarily with domestic securities, equity/

income mutual funds and stocks, and advisory products as well as individual and corporate retirement plans. Kyle’s previous experience includes working as a financial advisor at Morgan Stanley and as a financial advisor and owner at Leipold Financial Services. He holds Series 7, 31, 63 and 65 securities registrations and has a life insurance license. Kyle graduated from Butler University and attended graduate school at the University of Ireland, Galway. He and his wife, Melissa, live in Cedarburg with their four children: Cora, Iva, Mara and Everett. Kyle is a member of the Milwaukee Athletic Club and the Bucketworks nonprofit organization. In November 2016, Kyle was appointed to the board of directors for the Minnesota Wild hockey club of the National Hockey League.

Away from the office, Kyle enjoys playing in spring and summer softball leagues, following the NHL, traveling, and spending time with friends and family.


Kaj graduated from the University of Wisconsin – Madison in the spring of 2016, where he earned a bachelor’s degree in political science. Soon

after, he was hired by RBC Wealth Management and began the firm’s financial advisor trainee program. Through this program, he obtained his Series 7 and 66 FINRA registrations.

Since completing this program, Kaj has taken on the more technical side of wealth management planning. His expertise is in WealthPlan and eMoney planning software. The RBC WealthPlan helps deliver an all-encompassing financial wealth plan to our clients. In 2018, he plans to begin studying to obtain his CERTIFIED FINANCIAL PLANNER™ (CFP®) certification to further expand his knowledge of the financial services industry.



Mike was born and raised in Milwaukee, Wisconsin, and he finished his high school years in the Upper Peninsula of Michigan. He graduated from

Michigan Technological University with a bachelor’s degree in economics. Mike holds a Series 7 and 63 registration and has been in the industry since 1999. He previously has worked for First Midwest Securities and A.G. Edwards, a predecessor firm of Wells Fargo Advisors, prior to coming to RBC Wealth Management. Mike helps support the team administratively, assists in transacting client accounts and provides excellent customer service for our clients.

Mike lives with his wife, Anna, and son, Tyler, in Grafton. He enjoys spending time with them in addition to visiting family in the UP, fishing in the summer while there, and rooting for the Packers, Bucks and Brewers.


Paula started her career in the securities industry in 1995 with Edward Jones Investments. She became Jonas’ assistant in 1997, and now has over 23 years of

experience in the industry. Paula is very involved in client estate issues, and foreign and domestic accounts procedures. She is a very proud mom of three adult children and has been blessed with eight grandchildren. Her favorite place to visit is the Upper Peninsula of Michigan. Paula loves the outdoors and all it offers; she likes going four-wheeling and taking pictures of the woods and wildlife.


Malia HaskinsVice President, Manager, Internal WM Strategies

Malia is a vice president and wealth strategist for RBC Wealth Management. Based in Minneapolis, she serves as a resource for financial advisors

for understanding their clients’ financial objectives, gathering information and determining strategies for complex financial and wealth strategies issues for high-net-worth clients in the firm’s central division.

As part of her responsibilities, Malia works with RBC Wealth Management financial advisors to develop appropriate wealth management solutions for clients in the areas of estate planning, retirement planning, stock option planning, charitable giving, education funding and wealth transfer. Malia has been with RBC Wealth Management since 2004. Previously,

she spent six years in the financial services industry. Prior to working in the financial services industry, she practiced law for six years, specializing in probate and estate planning. After receiving her Bachelor of Arts degree from Luther College, Malia earned a Juris Doctor degree from William Mitchell Law School. She also holds the Series 7 and 66 securities licenses.

Dean Deutz, CFP®

Vice President – Private Wealth Consultant

As a CERTIFIED FINANCIAL PLANNER™ professional and non-practicing Certified Public Accountant, Dean provides individuals, families, business

owners and executives with comprehensive wealth management planning services to address the issues most common to high-net-worth families.

Wealth Management ProfessionalsThe Wealth Management Professionals serve as a resource to RBC Wealth Management financial advisors. They develop a stronger understanding of your personal financial objectives, gather valuable information and support complex financial and wealth strategies issues for the clients of RBC Wealth Management.


Why work with usAt RBC Wealth Management, we understand every person’s financial situation or objectives are different. Whether you are looking to enhance your current income or trying to determine the best way to pass your estate on to your heirs, your situation is unique and a cookie-cutter approach may not help you reach your objectives. Our mission is to understand your financial objectives and deliver solutions to help meet those unique needs. We believe the best way to satisfy our clients is by delivering quality personal strategies, solutions and service. Your success is our success.

Plan for your financial future with an RBC WealthPlan analysis Start with your expectations and concerns When you think about retirement, what do you most look forward to? What is your personal vision of retirement? It might be an active lifestyle, travel, or time with friends and family. Whatever your expectations of retirement, you likely have concerns for the future. When you think about retirement, what worries or concerns you? For many, running out of money, health care costs and suffering investment losses are top concerns.

Whatever you identify as expectations and concerns, be they shared or individual, RBC WealthPlan can easily include them in your personal plan.

Consider your goalsYour goals are deeply personal to you both in what they are and in how important each is. You may have some on your mind right now, or you may need help prioritizing all the things you would like to do. RBC WealthPlan incorporates a conversational approach to identifying your goals and assigning an importance based on needs, wants and wishes.

How prepared are you for retirement? More than likely, the primary reason you save and invest is to finance your retirement. But before you can determine your retirement preparedness, you will need answers to these three questions:

1. How much money will I need?

2. Where will it come from?

3. How long will it last?

Don’t worry if you don’t know the answers yet; your RBC Wealth Management financial advisor and RBC WealthPlan can help. The answers to these questions may change over time and will be dependent on the following factors:

• Retirement income sources

• Current and future health status

• Loss tolerance

• Willingness to save

• Desired legacy

As life and your expectations change, we can easily update your RBC WealthPlan to ensure you remain prepared for what comes next.

RBCWealthPlan


Your objectives come firstAt RBC Wealth Management, our first priority is to help you achieve your financial objectives. Our disciplined approach is designed to identify strategies to accumulate, protect, convert and transfer your wealth based on your financial goals, which may include:

• Determining your net worth

• Analyzing your asset allocation

• Planning for retirement

• Funding an education

• Maintaining or enhancing your lifestyle

• Preparing for a major purchase

• Protecting your family or income

• Creating a legacy

• Converting wealth to retirement income

A disciplined approachOur approach integrates your objectives into a personalized plan that can be updated as life changes occur. We combine sophisticated investment planning tools with professional resources to help match your objectives with customized solutions.

Our process includes:

• Understanding your financial objectives — We begin by listening to understand you and your financial objectives.

• Gathering your current financial information — Together, we gather specific information on your financial picture.

• Developing smart, time-tested strategies — Next, we analyze your financial and personal information to match your objectives with sound strategies.

• Implementing thoughtful and creative solutions — We develop customized solutions tailored to your objectives, drawing from a wide selection of world-class products and services.

• Providing timely, ongoing service — We regularly review your situation to help ensure your financial objectives are being met.

It all starts with youThrough a dedicated financial advisor focused on serving your best interests, we develop highly effective and customized solutions that meet your needs and objectives now and for years to come.

Our approach to wealth management

Creating retirement income

Turning wealth to income

Tran

sfer

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wea

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Protecting wealth

Accumulating wealth

Crea

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a le

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anaging risk

Growing assets


The benefit of a diversified portfolioAsset class volatility (January 2008 – December 2017)

Perhaps nothing better illustrates the importance of implementing and maintaining a diversified portfolio than seeing how allocations to multiple asset classes compare. The chart below ranks the best to worst performing asset classes selected — from top to bottom —

for each calendar period shown based on total returns. Through graphical depictions of past performance fluctuations, this demonstrates the historical trend of alternating leadership in the financial markets, as well as highlights the potential dangers

associated with attempts to chase last year’s or predict next year’s winners. In short, this chart helps support the case for an asset allocation plan that is customized to include a blend of asset classes.


Sources: Bloomberg, Morningstar and Zephyr Associates. The historical data contained herein has been compiled from sources deemed to be reliable, but its accurateness and completeness are not guaranteed. It has been prepared for general information purposes only and is made available on an “as is” basis without warranty. All servicemarks, trademarks and registered trademarks are the property of their respective owners. Indices are unmanaged and their returns do not reflect deductions for expenses, fees, commissions, taxes or other costs that would be associated with actual investments in the individual securities that they track. It is not possible to invest directly in unmanaged indices. Total returns are based on U.S. dollars and, unless otherwise noted, assume reinvestment of all dividend, interest and capital gain distributions, if any. PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS.

n Cash Equivalents — Represents performance of cash equivalents in the United States as measured by the Citigroup 3-Month Treasury Bill Index.

n MSCI Emerging Markets — Represents stock market performance of companies in 26 emerging countries. Securities in closed markets and those shares in otherwise free markets that are not purchasable by foreigners are excluded.

n High Yield Bonds — Represents tradable below-investment-grade fixed-rate debt obligations, including cash-pay, deferred-interest, step-up, payment-in-kind and defaulted bonds, with remaining maturities of at least 1 year as measured by the Barclays U.S. Corporate High Yield Index.

n International Bonds — Represents tradable investment-grade fixed-rate debt obligations of sovereign governments from 20 developed countries, excluding the United States, as measured by the Citigroup Non-U.S. Dollar World Government Bond Index.

n International Stocks — Represents stock market performance in 21 developed countries around the world, excluding Canada and the United States, as measured by the MSCI EAFE (Europe, Australasia and Far East) Index.

n Large Cap Stocks — Represents stock market performance of the 1,000 largest companies in the Russell 3000 Index based on total market capitalization as measured by the Russell 1000 Index.

n Mid Cap Stocks — Represents stock market performance of the 800 smallest companies in the Russell 1000 Index based on total market capitalization as measured by the Russell Midcap Index.

n Taxable Bonds — Represents taxable investment-grade fixed-rate debt obligations (Treasuries, Agencies, Corporates, Mortgage-Backed Securities, ABS and CMBS) as measured by the BarCap Aggregate Bond Index.

n Custom Asset Class Blend — Allocations are rebalanced to their respective target weightings at the beginning of each quarter.

2% Cash Equivalents

23% Taxable Bonds

5% High Yield Bonds

15% International Bonds

23% Large Cap Stocks

7% Mid Cap Stocks

20% International Stocks

5% Emerging Markets


After the The Edstrom Leipold International Group understands you and your family’s unique needs, we create and implement a comprehensive wealth management plan. Some of the areas addressed in this plan may include:

Investment strategies• Portfolio evaluation

• Asset allocation and diversification

• Investment selection

• Investment management services

Estate planning strategies• Estate taxes

• Family gifting

• Charitable giving

• Generation transfer techniques

• Trust alternatives

Charitable planning strategies• Charitable foundations and

endowments

• Charitable trusts

• Tax implications

Tax-advantaged investing strategies1

• Tax-efficient investing

• Tax-deferred investing

• Tax-free investments

• Capital gains and loss harvest

• Stock option exercise alternatives

Retirement planning• Retirement savings

• Retirement cash flow projections

• Retirement plan distribution options

• Lump-sum investment planning

Retirement plan options• SEP

• SIMPLE IRA

• Money purchase

• Profit sharing

• Safe harbor 401(k)

• 401(k)

A wide range of strategies

1. RBC Wealth Management does not provide tax or legal advice. We will work with your independent tax/legal advisor to help create a plan tailored to your specific needs.


Income• Certificates of deposit (FDIC insured)

• Preferred stocks

• Bonds: corporate, municipal, U.S. government, treasury

• Bills and zero coupon bonds

• Money managers — consulting solutions

• Mutual funds/Money market funds

• Unit trust of: intermediate-term corporate bonds, long-term corporate bonds, common stocks, municipal bonds

Capital appreciation• Stocks — common and preferred

• Bonds — taxable and tax free

• Stock options

• Mutual funds

• Managed accounts — consulting solutions

• Fund advisory services

• Managed account program

Tax-advantaged investments1

• Municipal bonds

• Private placement programs

• Annuities — tax-deferred

Investment research• Fundamental

• Technical

New and secondary offerings• Common and preferred stocks

• Municipal bonds

Estate and retirement planning• Annual tax summary

• Corporate retirement plans: 401(k), pension and more

• Sharing plans, Keogh and IRA, SEP plans

• Individual retirement accounts

• Traditional and Roth plans and rollovers

• Tax-deferred and immediate pay annuities

Cash management• Investment Access® Account:

provides you with a flexible and comprehensive resource to manage your cash and investments

Life insurance• Variable universal life

• Key person

• Term

• Universal

Portfolio analysis• Custom portfolio planning

• Asset allocation models

• Retirement counseling

• Required minimum distribution analysis

Investments and services

1. RBC Wealth Management does not provide tax or legal advice. We will work with your independent tax/legal advisor to help create a plan tailored to your specific needs.


Independence plus financial strength

The best of both worlds Our affiliation with RBC Wealth Management gives our clients access to benefits and resources that only a company with the enviable capital strength and global reach of RBC Wealth Management can provide. Our independent structure and proprietary approach to investment advisory services enable us to deliver personalized, flexible solutions to each client we serve.

RBC Wealth Management: • Founded in St. Paul, Minnesota in

1909 and still headquartered in the Twin Cities

• Fifth largest global wealth manager by assets1

• Offers a broad range of international capabilities from a respected global leader in diversified financial services: Royal Bank of Canada (NYSE; TSX: RY)

Royal Bank of Canada: • RBC is Canada’s largest bank as

measured by assets and market capitalization, and is among the largest banks in the world, based on market capitalization.2

• RBC maintains strong capital ratios (“All-in” Common Equity Tier 1 ratio of 11.0%) and credit ratings1 (Moody’s A1, Standard & Poor’s AA- and Fitch AA).3

• RBC has paid continuous dividends to its shareholders since 1870.

• RBC supports a broad range of community initiatives through donations, sponsorships and employee volunteer activities. In 2015, RBC contributed more than C$121 million to causes worldwide to support community activities and organizations.

The Edstrom Leipold International Group is part of RBC Wealth Management, a division of RBC Capital Markets, LLC, a wholly owned subsidiary of Royal Bank of Canada that serves wealth management clients and families throughout the United States. As one of the nation’s largest wealth management and full-service securities firms, RBC Wealth Management affords its financial advisors the independence to provide flexible, accessible solutions to clients but with the backing of one of the major financial organizations in North America.

1. Scorpio Partnership Global Private Banking KPI Benchmark 2017. This measurement includes all global RBC Wealth Management affiliates including the U.S. division.

2. As of January 31, 2018. Capital calculated to include all regulatory adjustments that will be required by 2019 but retaining the phase-out rules of non-qualifying capital.

3. Credit ratings are not recommendations to purchase, sell or hold a financial position in as much as they do not comment on market price or suitability for a particular investor. Ratings are subject to revision or withdrawal at any time by a rating agency.

Edstrom Leipold International Group

RBC Wealth Management, a division of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC. © 2018 All rights reserved. 17-MW-718 (05/18)

Jonas EdstromSenior Vice President – Financial Advisor, Senior Consulting GroupDirect: (414) 347-7210 [email protected]

Kyle LeipoldFirst Vice President – Financial Advisor, Assistant Branch Director, Consulting GroupDirect: (414) 347-7086 [email protected]




RBC Wealth Management1000 North Water Street, Suite 1500 Milwaukee, WI 53202

Phone: (414) 347-7210 Toll free: (800) 933-3246 Fax: (414) 347-7670

www.edstromleipoldinternationalgroup.com

Documents

Edstrom Leipold International Group - Patina Nation - A Leading … · 2018. 11. 14. · Edstrom Leipold International Group 2 Non-deposit investment products offered through RBC