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There’s Wealth in Our Approach.™
Telby T. Turner, crpc®
Financial Advisor
1 RBC WEALTH MANAGEMENT, A DIVISION OF RBC CAPITAL MARKETS, LLC, MEMBER NYSE/FINRA/SIPC.
A pATh To SucceSS …Time, TemperamenT and TalenT
Today’s financial markets are complex, and investors are faced with an overwhelming number of investment choices. Most individual investors simply do not have the time, temperament, or talent to gather and analyze all the data necessary to make informed decisions on a timely basis.
Should You Work WiTh a Financial adviSor?n Do you have a fair knowledge and expertise in investments?
n Do you enjoy research and reading about investments?
n Do you have time to regularly monitor and evaluate your investments?
n Do you have the discipline to make investment decisions without bias or emotion?
If you answered “no” to any of the above questions then you should consider working with a Financial Advisor.
“Planning is bringing the future into the present, so that you can do something about it now.” – Alan Lakein
TELBY TURNER, CRPC®, FINANCIAL ADVISOR 2
creATing your WeAlTh MAnAgeMenT plAn
Your objecTiveS come FirST
My first priority is to help you achieve your financial objectives. My disciplined approach is designed to identify strategies to accumulate, protect, convert and transfer your wealth based on your financial goals, which may include:
n Determining your net worth
n Analyzing your asset allocation
n Planning for retirement
n Funding an education
n Maintaining or enhancing your lifestyle
n Preparing for a major purchase
n Protecting your family or income
n Creating a legacy
n Converting wealth to retirement income
M
y Approach to Wealth Management
YourFinancial
Goals
Accumulating WealthGrowing Assets
Transferring Wealth
Creating a Legacy
Converting Wealthto Income
Creating Retirement Income
Protecting Wealth
Managing Risk
3 RBC WEALTH MANAGEMENT
SoluTionS And ServiceS overvieW As a client of RBC Wealth Management you have access to a worldwide network of specialists offering local and global expertise. Through this network, we offer you wealth management choices that integrate all your interests — family, business, lifestyle and philanthropy. An integrated approach can help ensure an optimal level of asset management and coordination while being mindful of taxes and estate implications in an evolving global marketplace. This flexibility allows us to work with a wide variety of individuals and families, requiring no account minimums to begin your wealth management plan.
inveSTmenTS
n Mutual funds
n Stocks and bonds
n Money Managers
n Managed accounts
n Alternative investments
reTiremenT SoluTionS
n Individual retirement planning
n Retirement income planning
n Employer-based retirement plans
educaTion SavingS
n 529 plans
n Custodial accounts (UGMA and UTMA)
n Coverdell education savings accounts
inSurance and annuiTieS
n Life insurance
n Disability insurance
n Long-term care insurance
n Fixed and variable annuities
eSTaTe planning
n Professional trustee services
n Revocable and irrevocable trusts
n Generation-skipping transfer trusts
n Business succession
Tax advanTaged inveSTmenTS
n Municipal Bonds
n Tax Preferred Equities
n Master Limited Partnerships (MLPs)
n Charitable Strategies
reSearch
n Equity
n Fixed income
n Money manager
n Mutual fund
corporaTe execuTive and buSineSS oWner SoluTionS n Retirement accounts for business owners
n Institutional consulting services and fiduciary services
n Deferred compensation and insurance solutions
n Full employee stock option and purchase plans
n Restricted securities, Rule 144 and Section 16 10b5-1 plan creation and administration, stock buy backs (10b18)
TELBY TURNER, CRPC®, FINANCIAL ADVISOR 4
The beST of boTh WorldS
rbc WealTh managemenT
n Recognized as one of the world’s Top 10 largest wealth managers
n Recognized as “Outstanding Wealth Manager — Customer Relationship Service and Engagement” in the 2013 Private Banker International Global Wealth Awards
n Ranked Best Private Banking Services Overall for Canada and the Caribbean (2013 Euromoney Private Banking and Wealth Management Survey)
n In the U.S. earned 100% rating on the Human Rights Campaign Corporate Equality Index (2013)
roYal bank oF canada
n Top 5 of largest banks in North America and Top 15 of largest banks globally**
n Consistently high credit ratings - Moody’s Aa3, Standard & Poor’s AA-and Fitch Ratings AA
n Named to the Global 100: Most Sustainable Corporations in the World in 2013 for the ninth consecutive year (Corporate Knights, World Economic Forum)
n Recognized among the world’s financial, social and environmental corporate leaders for the 13th consecutive year on the 2013 Dow Jones Sustainability World Index
coordinATing 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.
We are able to take the lead role in helping you accomplish your financial goals. This includes partnering with your:
n CPA n Private Banker
n Attorney n Insurance Specialist
n Trust Officer
ClientFINA
NCIAL ADVISOR
PRIVATE BANKER
CPA
TRUST OFF
ICER
INSURANCESPECIALIST
ATTO
RN
EY
* Scorpio Partnership Global Private Banking KPI Benchmark 2014. This measurement includes all global RBC Wealth Management affiliates including the U.S. division.
** As measured by market capitalization as at December 2, 2014.
5 RBC WEALTH MANAGEMENT
becoMing A clienT
Now that you have read through these few pages I hope to illustrate how I work with individuals and their families. I am dedicated to not only servicing my clients, but being the best steward that I can be. Having a structured communication process with clients has become a cornerstone of my practice, and has also allowed me to differentiate myself from others. Protecting client’s wealth, recognizing opportunities, and constantly striving for portfolio efficiency are what the client should expect, and also receive. One of the biggest rewards in my position is getting to hear “thank you” from a client. I hope to have the opportunity to earn trust and your business.
A diSciplined ApproAch
IntroductoryMeeting
DiscoveryMeeting
PresentPersonalized
WealthManagement
Plan
WealthManagement
PlanFeedbackOpen NewAccounts
ExecuteWealth
ManagementPlan &
Investment Strategies
TELBY TURNER, CRPC®, FINANCIAL ADVISOR 6
AbouT Telby
Telby has been in the financial services industry for more than 10 years, joining RBC Wealth Management in 2014 from Morgan Stanley Smith Barney where he was a member of their Pacesetters Club, and earned the Certified Retirement Planning Counselor (CRPC®) designation. Telby takes a personalized, holistic approach to his clients’ financial needs and goals, with his practice focusing on retirement and estate planning.
A native of Houston, Telby graduated from Baylor University with a B.A. in business. He has been a serving committee member on the Houston Baylor Business Network and Co-Chair on the Baylor’s Bear to Bear Organization. He has also been active in the Coastal Conservation Association, the Energy Prospectus Group, and volunteered at River Pointe Church in Richmond, Texas.
Telby resides in Jupiter, Florida with his wife Kirstin and their three children. In his free time, he enjoys spending time with family and friends, and the outdoors. Telby is active with the Northern Palm Beach County Chamber of Commerce, Palm Beach Tax Institute, Loggerhead Marine Center, Blue Friends, West Palm Beach Fishing Club and Coastal Conservation Association.
“The trouble with not having a goal is that you can spend your life running up and down the field and never scoring.” – Bill Copeland
Direct: (561) 691-5323Cell Phone: (832) 703-8600Toll Free: (800) 241-0222Fax: (561) [email protected]
3801 PGA Boulevard, Suite 801Palm Beach Gardens, FL 33410
7 RBC WEALTH MANAGEMENT
vAn pATe
Vice President – Wealth Strategies Consultant, Estate and High Net Worth
Van has been in the financial services industry since 1986. He is a CERTIFIED FINANCIAL PLANNER™ practitioner (CFP®) and is Series 7 and Series 66 licensed. He holds degrees from Washington & Lee University and Middlebury College. A frequent public speaker, Van works primarily with individual clients, but he has also worked with institutional
clients as a planned giving consultant. As part of his responsibilities, Van works with RBC Wealth Management financial advisors to develop strategies in the areas of estate planning, retirement planning, stock option planning, charitable giving, education funding and wealth transfer. He also has significant experience in helping clients understand sophisticated equity risk management strategies such as exchange funds, equity collars and forward contracts. Van works with clients’ attorneys, accountants and other professionals to implement recommended planning solutions.
Todd piTTS
Vice President – Retirement Plan Consultant
Todd joined RBC Wealth Management in 2008 and has 24 years’ experience in the financial services industry. He received his Bachelor of Science degree in business administration from Virginia Commonwealth University. Todd has in-depth experience in analyzing organizations’ retirement plan needs and recommending
appropriate vehicles, including 401(k), profit-sharing and defined benefit plans, and SIMPLE and SEP IRAs. As part of his responsibilities, he consults with corporations and non-profit groups of all sizes to help develop strategies and solutions for their ERISA and non-ERISA retirement plan needs. Todd has expertise in the areas of plan design, employee education, fiduciary issues and asset allocation. He does extensive research into retirement plan providers. He also assists RBC Wealth Management Financial Advisors in servicing clients’ retirement plans. Todd helps create and maintain investment policy statements, and he is involved in investment monitoring, plan design and portfolio consulting.
WeAlTh MAnAgeMenT profeSSionAlS
The 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.
TELBY TURNER, CRPC®, FINANCIAL ADVISOR 8
ThoMAS nAgle
Trust Consultant
Thomas has worked directly with clients in a variety of consultative roles since entering the financial services industry in 2003. He earned a B.A. from the University of Delaware and a M.B.A. with a concentration in finance from Goldey-Beacom College in Wilmington, Delaware. He specializes in collaborating with
RBC Wealth Management® Financial Advisors to deliver trust solutions to high-net worth individuals and families as part of a holistic wealth management planning solution. He is responsible for offering trust and custodial services through Financial Advisors who then remain the main point of contact for clients. His overall goal is to enhance and support client-advisor relationships as well as to identify trust solutions that both optimize opportunities and mitigate risks. As a former Financial Advisor, Thomas has a strong background in retail investing — with a special emphasis on understanding and complying with fiduciary responsibilities related to investments held in trusts. Because of his experience as an investment professional and working with private bankers, he adds tremendous value by asking open ended questions to help discover the important issues and concerns that may affect each client’s financial well-being and trust directives. In addition to providing expert recommendations on a broad range of specific trust structures, Thomas has a deep knowledge of the Delaware trust system as a wealth building and preservation tool.
MATTheW Kirby
Senior Credit Officer
Based in Houston, Matt partners with financial advisors to provide customized lending solutions for high net worth clients, trusts, and personal holding companies. As part of his responsibilities, Matt provides recommendations on how the strategic use of credit can help clients meet a variety of wealth accumulation and liquidity
management goals, including real estate purchases, bridge financing, and refinancing existing high-cost debt. Matt has worked in the financial services industry for 18 years. Matt received a Bachelor of Science from the University of Delaware and has a diverse background in lending services and financial instruments.
9 RBC WEALTH MANAGEMENT
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TELBY TURNER, CRPC®, FINANCIAL ADVISOR 10
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Telby T. Turner, crpc®
Financial Advisor
Direct: (561) 691-5323Cell Phone: (832) 703-8600Toll Free: (800) 241-0222Fax: (561) [email protected]
3801 PGA Boulevard, Suite 801Palm Beach Gardens, FL 33410
© 2015 RBC Capital Markets, LLC. All rights reserved. 15-PF-060 (06/15)
