PRUDENT PORTFOLIO DESIGN

Actively Re-balancing Risk. Our primary goal is the preservation of capital. When markets are priced above what we deem their long term fair value, we prefer to reduce the amount of capital at risk in those markets and reallocate a portion of our clients’ portfolio to other strategies. One such strategy is holding cash. Cash reduces the risk of a portfolio and maintains ‘dry powder’ to reinvest when opportunities improve. In addition to holding cash, we have created an absolute return fund that seeks to earn a reasonable return regardless of what is transpiring in the markets. When paired with cash holdings, we aim to lower the risk of a major market loss while

continuing to earn a reasonable return.

DISCIPLINED, LONG-TERM THINKING

Avoiding Emotional Decisions. We believe that using a valuation framework is critical in avoiding our emotional and behavioral biases that can influence investment decisions. The framework gives us the ability to objectively examine today’s markets (equities, fixed income or any other) relative to reasonable, long run expectations. We decompose markets into the three components that form the basis of all returns; income, growth and valuation. We examine each independently with the goal of gaining considerable insight into current market conditions and position our clients portfolios most

appropriately.

Founded in 2017, Raintree Wealth Management provides the next level of service to clients by building on the values, foundations and principles established by Raintree Financial Solutions. Designed for clients with a minimum of $100,000 of investable assets, Raintree Wealth Management offers clients what we believe is the highest standard of investment management.

Raintree’s investment beliefs are rooted in disciplined and long-term thinking. When we constructed our investment platform, we started with the big picture and decided what really mattered in the long run. We believe: • Markets are short-sighted so taking a long-term perspective is

critical to investment success• Markets swing above and below their long-term average• Markets are driven by the behavioural biases of investors

Our beliefs have helped form the methodology we use to manage our clients’ portfolios. Our clients have forced us to find different and innovative solutions to the challenges facing investors today. From our beliefs, we have created an investment platform that seeks to: • Provide stable returns over the long run• Limit large losses in our clients’ portfolios• Limit our own behavioural biases

These are our goals and should not be mistaken for guarantees. We’re proud to provide our clients with clear and honest advice. Risks are inherent in investing and returns will fluctuate. We encourage all of our clients to review the risks in detail with their Portfolio Manager before investing.

WHO WE ARE & WHAT WE BELIEVE OUR INVESTMENT APPROACH

YOUR INVESTMENT TEAM

Raintree performs extensive due diligence on each Investment Manager we bring onto our platform. Our process examines multiple characteristics of each Investment Manager including, but not limited to: portfolio performance, investment philosophy, risk management, compliance and operations, key managers and governance.

Raintree Wealth Management partners with Institutional Canadian Investment Managers to execute the investment plan we set with each of our clients. Our investment partners bring a breadth of talent and experience to bear in each of their respective specialties.

HEAD OFFICEWestgate Business Park 10243 – 178 Street Edmonton, AB T5S 1M3

P 1.855.443.0340 E info@raintreeWM.com raintreeWM.com

Raintree Wealth Management Inc. is registered as a Portfolio Manager in the provinces of Alberta, British Columbia, Saskatchewan, Manitoba and Ontario and as an Investment Fund Manager in Alberta and Ontario.

Raintree Wealth Management is a participating firm of the Ombudsman for Banking Services and Investments (“OBSI”). For more information about the OBSI, please visit www.obsi.ca. The investments sold by Raintree Wealth Management are not guaranteed and are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. There can be no assurances that the investment will be able to maintain its net acquisition value or to produce projected income. Investment values change frequently and past performance may not be repeated. References in this brochure to third party goods or services should not be regarded as an endorsement of these goods or services.

This brochure is intended for Canadian residents only and the information contained herein is subject to change without notice. This brochure does not constitute an offer or solicitation in any jurisdiction in which such offer or solicitation is not authorized or to any person to whom it is unlawful to make such offer or solicitation.

This brochure is for general information only and is not intended to provide specific personalized advice including, without limitation, investment, financial, legal, accounting or tax advice. Please consult an appropriate professional regarding your circumstances.

DOES RAINTREE WEALTH MANAGEMENT HOLD CLIENT ASSETS?No, Raintree Wealth Management does not hold client assets. All client assets are held with a third party custodian, National Bank Correspondent Network (“NBCN”).

WHAT ARE THE BENEFITS OF WORKING WITH A PORTFOLIO MANAGER?There are numerous benefits. Among them, Portfolio Managers have the highest standard of education and experience of any category in the financial industry. In addition, Portfolio Managers have a fiduciary obligation to their clients and must put the clients’ interests ahead of their own at all times.

WHAT ARE RAINTREE WEALTH MANAGEMENT’S FEES AND ARE THERE ANY OTHER CHARGES?We charge an Investment Management Fee for the service we provide. We do not collect commissions. Investment Management Fees vary by amount invested. Please contact us for further information.

DO YOU OFFER OTHER SERVICES BESIDES PORTFOLIO MANAGEMENT?Portfolio Management is the sole focus of Raintree Wealth Management. However, a wide variety of investment and insurance solutions are available through Raintree Financial Solutions and its business partners.

FAQ