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Fee-Based Products


Advisor is a client-directed non-discretionary advisory program centered on the advice and service Financial Advisers (FAs) provide to their clients. Advisor allows clients to purchase no-load and load-waived mutual funds in addition to other securities.

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Resource ll

Resource II is a fee-based program that lets you offer your clients access to private account management from some of the top institutional money managers in the country.

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Specialty Portfolios

Specialty Portfolios is a subset of the Resource ll program that includes portfolios provided by outside money managers and discretionary models developed by RBC Wealth Management. Through Specialty Portfolios, model portfolios are implemented on a discretionary basis with RBC Wealth Management acting as the overlay manager.


The Unbundled Managed Account Solutions Program (UMAS) offers a correspondent firm the operational systems to facilitate fee-based account programs for their clients.

Total Strategy Account

The Total Strategy Account allows clients to bring their investments together in one account including money managers, mutual funds and exchange-traded funds.

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Envestnet is a leading provider of integrated portfolio practice management and reporting solutions to financial advisers and institutions. Their open architecture platform encompasses a broad range of institutional-quality research, investment products, and advisory resources.

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Comprehensive Process for Life Planning



Who Are You?

  • Who are your family members and what are they like?

Goals and Objectives

  • When do you want to retire from your current job? What do you want to do after retirement? Do you plan on paying for your children’s education? Do you expect to help an elderly parent with expenses? Do you want to stay in your home or downsize?


  • What do you want for your children? What worries you? What are you most passionate about? How would you like to be remembered by your friends and family?

Your Current Financial Picture

  • Assets, loans or debts, income, expenses, investments, asset allocation, planning structures, other advisors.

Risk Tolerance

  • Time horizon
  • Attitude towards volatility
  • What’s acceptable vs. what’s ideal.

Analysis and Recommendations

  • Analyze personal and financial information
  • Analyze liabilities (loan rates, fees, terms, repayment requirements, etc.)
  • Assess risks and identify potential threats
  • Coordinate with your attorney, Accountant and other advisors as you see fit.
  • Propose an action plan aimed at growing, managing, preserving and transferring wealth.


Lifestyle: The life you lead, and what you leave to others.

  • IRAs, 401(k)s, equity compensation and other retirement savings accounts.
  • Trusts and other estate planning structures.
  • Charitable trusts, private family foundations, donor-advised fund.
Strategic Borrowing: Managing your liabilities as strategically as your assets.

  • Home loans and home equity lines of credit.
  • Securities-based loans and lines of credit.
  • Tailored loans.
  • Business capital and commercial loans.
Risk: Anticipating and managing financial threats.

  • Portfolio diversification.
  • Hedging strategies for concentrated positions in employer stock.
  • Life, disability and long-term care insurance.
  • Diversification and liquidity for business owners.
  • Tax reduction strategies.
  • Citi Identity Theft Solution.
  • Guidance of family dynamics.
Assets: Translating personal goals into financial objectives.

  • Risk analysis and asset allocation.
  • Investment policy Statement.
  • Stocks, bonds, mutual funds, annuities, listed options, equity derivatives, CDs.
  • Fee-based managed accounts.
  • Mutual fund, investment manager and global equity research.

Diversification does not ensure against loss.


Track progress toward specific goals

  • Group various accounts into portfolios pegged to objectives
  • Set guidelines for liquidity and asset allocation.
  • Limit or exclude holdings in specific sectors or companies.

Notification when portfolio strays outside per-set guidelines or limits.

Performance reporting.

Online account access.

RBC Information

Daily market fluctuations highlight why a combination of discipline and perspective is key to reaching your investment goals. One way to achieve this fine balance is by having a plan and sticking to it through all types of market conditions. This may sound easy, but investors have been put to the test in recent years. Veering off course from a carefully thought-out plan can turn a temporary loss of confidence into a realized loss on an investment portfolio.

Investment Manager Research Trust Services