RBC Dominion Securities Inc.

Bessie Miller Wealth Management

of RBC Dominion Securities
Craig Bessie, B.Sc., CIM, FCSI, CFP
Investment Advisor and Associate Portfolio Manager

Ryan Miller, B.BusEc, MBA, LLB, TEP

Investment Advisor and Associate Portfolio Manager

Our team provides a strategic and disciplined

approach to wealth management for
high-net-worth individuals and families who
require a comprehensive advisory relationship.

Wealth Management
Solutions Designed for You
As you make progress towards achieving your goals in life, you may discover
your financial situation becoming increasingly complex. When you reach this
stage, and require professional assistance with the management of your wealth,
we can help.
Backed by the century-old tradition of RBC Dominion Securities Canadas
leading full-service wealth management firm you can be confident that you
will get the professional advice and services you need. Whether youre looking
for personal wealth management for yourself, your family or your business, we
have the expertise to help you achieve your goals.

BESSIE MILLER WEALTH MANAGEMENT OF RBC DOMINION SECURITIES 1

Who Can We Help?

Our services are designed for individuals, families, businesses and organizations that
require professional assistance managing their wealth.

Successful executives looking to enhance the

growth of their wealth

Professionals requiring assistance with their

personal assets and a trusted partner with
shared clients

Pre-retirees who want to develop and implement

an investment and financial plan to make the
most of their retirement

Retirees requiring proactive strategies to maximize

their after-tax retirement income, while protecting
their financial security

2 BESSIE MILLER WEALTH MANAGEMENT OF RBC DOMINION SECURITIES

Well-established families seeking professional

guidance transferring wealth to the next generation
in a tax-efficient manner

Business owners who need help managing their

personal and business assets

Foundations, not-for-profits and organizations

who require an investment strategy to maximize the
long-term sustainability of the organization

Our Wealth Management Approach

We recognize that money is merely a means to an end.
Its about having the financial security you need to live
your life the way you want. Its about enjoying your
success, spending time with your family, and creating
memories that last for generations.
While money is just a means to an end, it still requires
professional attention. Most importantly, it requires
professional attention that acknowledges all your goals in
life not just financial goals. In addition to helping you
manage your investments and finances, we help you plan
your retirement, save for a family members education,
protect your lifestyle, fund a major purchase or create
your legacy. Whatever your goals, we can help. This is the
essence of our approach to wealth management.

Investing
Financial
Planning

Charitable
Giving

Tax
Planning

Wealth
Management

Estate
Planning

Retirement
Planning

Education

Insurance
Planning

Credit &
Lending

Theres More to Wealth Than Money

Wealth management goes beyond investment advice and
money management to address a wide range of concerns
related to both your financial and life goals. We provide
expertise that can assist you in planning for all areas of
your financial, tax and legal needs.

BESSIE MILLER WEALTH MANAGEMENT OF RBC DOMINION SECURITIES 3

Strategic Equity Management

Within the context of an overall portfolio, equity ownership in high
quality businesses can provide growth on invested capital as well
as dividend income in most circumstances. Equities provide share
ownership in a company that directly benefits from the profitability
of the underlying operating business as well as indirectly from the
long-term growth of the economy. Equities have historically been the
strongest performing asset class over long periods of time but they
also carry the most volatility or risk. It is for this reason that a defined
and strategic equity management process is critical for the long-term
success of your portfolio.

Company Selection and Analysis

The universe of companies, from which our Strategic Wealth
Management Model portfolios are developed, only include companies
that score well across the research disciplines described in the
adjacent diagram. Confining your portfolio to these companies means
that you will own companies with attractive potential within their
peer group. It also gives you the resolve to ride out the inevitable bad
markets, confident in the knowledge that such companies are likely
to weather the downturn and be the outperformers when markets
eventually turn up once again.

4 BESSIE MILLER WEALTH MANAGEMENT OF RBC DOMINION SECURITIES

A Disciplined Process Is Key

In our experience, a disciplined approach is the best way
to mitigate the risks of investing, while taking advantage
of the opportunities. Our Strategic Wealth Management
Models follow an established, proven discipline for both
buying and selling securities.

Buy/Sell Process
With our Strategic Wealth Management Model
portfolios, theres no guesswork or emotion involved
in deciding when to buy or sell. The decision to buy
a certain stock is based on three research disciplines:
fundamental, technical and quantitative analysis.
Our decision process assists in managing your equity
portfolio with a disciplined approach.
You cant expect to always buy individual companies at
the low or sell at the high. However, you can expect
to have a portfolio that is structured to fit the current
economic outlook and that is comprised of quality
companies that have met our in-depth research and
evaluation requirements.

Equity Mandate

Quantitative
Screening

Analysis of Risk and Return

Correlation Analysis

Relative Strength Review

Ongoing
Monitoring

Continued Analysis of Risk and Return

Strategic Rebalancing

Review of Market Environment

Qualitative
Analysis

Company Fundamentals
Industry Factors

Corporate Governance

Opportunities and Threats

BESSIE MILLER WEALTH MANAGEMENT OF RBC DOMINION SECURITIES 5

Fixed-Income Strategy
Fixed-income securities can provide investors a return in
the form of fixed periodic payments and eventual return
of principal at maturity. The purchase of a bond, treasury
bill, Guaranteed Investment Certificate (GIC), preferred
share or any other fixed-income product represents a
loan by the investor to the issuer.

Why Invest in Fixed-Income?

Fixed-income securities are an important part of a
well-diversified portfolio. For many investors, fixedincome investments are a secure, low-risk way to
generate a steady flow of income. As long as they are
held to maturity, fixed-income securities will provide a
guaranteed return on your investment, with payments
known in advance.
To most investors, fixed-income represents a conservative
investment vehicle. However, investors purchase bonds
for a variety of reasons, including regular income and the
potential for capital gains.

6 BESSIE MILLER WEALTH MANAGEMENT OF RBC DOMINION SECURITIES

Our strategic fixed-income models provide our clients

with exposure to a diversified range of fixed-income
investments to protect against company-specific risk,
credit risk and interest rate risk. By actively identifying
oportunites in the fixed-income market, we are able to
complement our buy and hold strategy with capital gains.

Seeking Income
As a fixed-income investor, you may be faced with
the dilemma of seeking growth in a low interest rate
environment without losing the principal protection that
fixed-income investments aim to provide. It can be hard
to squeeze out a major interest payment from your fixed
income portfolio. Our fixed income strategy provides a
tailored solution to protect and diversify your investments
without requiring you to take on unnecessary risk.
Our experienced team offers a personalized and flexible
solution for your fixed income investments, whereby

we invest your funds in fixed-income investments in

accordance with your investment mandate and time
frame to provide safety of principle, flexibility and the
highest yield.

Safety Through Diversification

With the largest bond desk in Canada, we offer access
to the most broad selection of fixed-income products
available in our market. This includes a wide selection
of fixed-income instruments available in Canada, the
U.S. and global markets.

Expertise in Service
Our experience and industry relationships, coupled with
our purchasing power, allow us to offer truly independent
and impartial advice while providing unparalleled service.

Ease of Administration
Opening multiple accounts with more than one
institution can be a timely and costly endeavour. We take
pride in simplifying your accounting and administrative
responsibilities. By investing with our team at RBC
Dominion Securities, we provide you with a fixed-income
strategy tailored specifically for you.

BESSIE MILLER WEALTH MANAGEMENT OF RBC DOMINION SECURITIES 7

Putting You First with a Team Approach

As our client, you will receive timely service and professional advice through our team approach.
Our team members focus on different areas of client service, so you get the expert assistance you
need when you need it.
Ryan Miller, B.BusEc, MBA, LLB, TEP
Investment Advisor and Associate Portfolio Manager
Ryan graduated with a Bachelor of Economics, MBA (Finance) and a Bachelor of Laws.
Ryan holds his Chartered Investment Manager (CIM) and Professional Financial Planner
(PFP) designations, and is both options and futures licensed. He is a Fellow of the Canadian
Securities Institute (FCSI) and a member of the Society of Trust and Estate Practitioners (TEP).
Ryan has advised clients in wealth management and estate and trust planning since 2004.

Craig Bessie, B.Sc., CIM, CFP, FCSI

Investment Advisor and Associate Portfolio Manager
Craig graduated with a Bachelor of Science from the University of Victoria. He holds his
Chartered Investment Manager (CIM) designation, is options and derivatives licensed
and is a Certified Financial Planner (CFP). Craig is recognized as a Fellow of the Canadian
Securities Institute (FCSI) and has advised clients in wealth management and financial
planning since 2004.

Byron Grenda, B.Math

Associate
Byron assists our team with trading, portfolio modelling and the administrative functions
for our clients. Byron graduated with a Bachelor of Math from Centenary College in
Louisiana where he was on scholarship for baseball, a sport he continued to excel in while
playing semi-pro for the Cook County Cheetahs in Illinois. Byron has assisted clients in the
investment and banking industry since 2007.

8 BESSIE MILLER WEALTH MANAGEMENT OF RBC DOMINION SECURITIES

Wealth Management Services Team

Helping you manage your investments is just one way we can help you manage your overall
financial concerns. In addition to investing and money management, we offer assistance with
financial planning, Wills and estates, and insurance strategies.
Financial Planning

Insurance Strategies

Depending on your needs, we can provide a financial

plan designed to help you build your financial future or,
if you have more complex needs, an in-depth financial
plan that leaves no stone unturned.

A highly qualified insurance specialist works with our

team to help you create and preserve your wealth. We
follow a comprehensive process to assess your needs
and, if appropriate, recommend tax-exempt insurance
products that will help you achieve your wealth
management objectives.

Will and Estate Consultation

A professional Will and estate consultant works closely
with us to provide you with information on structuring
your estate in an efficient and tax-effective manner.
Following your Will and estate consultation, you will
receive a report outlining various estate planning
opportunities for you to explore in further detail with
your own lawyer or accountant.

Professional Network
We also offer access to our network of professionals
such as lawyers and accountants to help ensure that the
various issues related to the management of your wealth
are properly addressed. If you have existing relationships
with professionals in these areas, we would be pleased to
work together with them to coordinate our efforts.

RBC Dominion Securities Inc.* and Royal Bank of Canada are separate corporate entities which are affiliated. *Member-Canadian Investor Protection Fund. Insurance products are
offered through RBC Wealth Management Financial Services Inc. (RBC WM FS), a subsidiary of RBC Dominion Securities Inc. When providing life insurance products in all provinces
except Quebec, Investment Advisors are acting as Insurance Representatives of RBC WM FS. In Quebec, Investment Advisors are acting as Financial Security Advisors of RBC WM FS.
RBC DS WM FS is licensed as a financial services firm in the province of Quebec. RBC Dominion Securities Inc. is a member company of RBC Wealth Management, a business segment
of Royal Bank of Canada. Registered trademarks of Royal Bank of Canada. Used under licence. RBC Dominion Securities Inc. 2015. All rights reserved.

BESSIE MILLER WEALTH MANAGEMENT OF RBC DOMINION SECURITIES 9

Take the Next Step

Contact our team today to understand your real wealth and obtain peace of mind.

Craig Bessie, B.Sc, CIM, FCSI, CFP

Investment Advisor and Associate Portfolio Manager
604-665-0788
craig.bessie@rbc.com

Ryan Miller, B.BusEc, MBA, LLB, TEP

Investment Advisor and Associate Portfolio Manager
604-665-5537
ryan.miller@rbc.com

Byron Grenda, B.Math

Associate
604-257-7647
byron.grenda@rbc.com

RBC Dominion Securities

Vancouver Park Place
2500 - 666 Burrard Street
Vancouver, BC V6C 3B1
Fax: 604-257-7391
Toll-free: 1-800-427-7766