T.E. Wealth Corporate Presentation


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What does T.E. Wealth offer?

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  • T.E. Wealth was founded in 1972 by Timothy Egan. Tim, who is Chairman of T.E. Wealth today, recognized a need in the marketplace for independent financial advice – advice that was objective and not designed to drive product sales or sales fees. He is recognized as one of the pioneers of comprehensive fee-based financial planning. In fact, Tim believed so strongly in the concept of fee-for-service financial planning that he had the term FEE-ONLY trademarked. At the time, as it is today, most financial planning was delivered through a commission-based sales force. FEE-ONLY means that our advice is always objective and unbiased and it is your assurance that the advice we provide and the recommendations we make are always in your best interests. It’s a concept that had significant appeal as evidenced by the growth and longevity of our business. Today T.E. Wealth has offices in major centres across the country from St. John’s, Newfoundland to Vancouver. Unlike other financial planning services where fees are buried within the cost of products provided, our FEE-ONLY approach is transparent – you always know exactly what it costs for our services, up front and in writing. And I think you’ll find our fees to be highly competitive and cost-effective. Many of our clients began with us as Corporate Clients – in many cases our services being an executive benefit with their company paying the fees. The fact that most of these clients choose to stay with us in retirement, paying for our services at their own expense, speaks volumes about the value of what we provide. [Advance slide]
  • We can work with you on three levels… [Advance slide]
  • As an individual client, providing you with complete personal wealth management – financial planning, investment strategy, tax management and estate planning, Ongoing monitoring of your personal financial situation through annual meetings and frequent informal contact throughout the year. [Advance slide]
  • , For your business, we can provide services to help you attract, reward and retain executives and key employees. Complete financial planning and investment counselling will free up their time to ensure they can remain focused on the business. If you have people posted overseas, or repatriating to Canada – we can assist with all financial aspects. And our transition services cover the financial impact of major life changes – we offer outplacement, retirement and survivor counselling. [Advance slide]
  • For your business, we offer comprehensive financial education and employer services to ensure your employee group can take full responsibility for their future financial security and, through T.E. Investment Counsel Inc., we provide pension fund management for employer-sponsored pension plans. [Advance slide]
  • T.E. Wealth has a long history of successfully partnering with corporations to ensure benefits and compensation packages for their key employees distinguish their organizations. We work with a wide range of companies and organizations – from small to medium-sized enterprises to multi-nationals. Through Key Employee Financial Management we help your most-valued personnel: – set personal financial goals and develop a plan to achieve them, including retirement and estate planning – plan for taxable events – particularly important when considering the exercise of stock options, and tax return preparation – develop and execute an investment plan, including comprehensive needs analysis, manager selection and portfolio monitoring and rebalancing and incorporating any stock options – We can help your key employees to plan for the effective transition to retirement, offer financial counselling in the event of outplacement and through our unique Survivor Support service, we work with their family to sort out their finances in the event of the employee’s premature death. – A posting outside of Canada adds an additional layer of complexity to a key employee’s personal finances and requires specialized expertise. We can assist with financial concerns when leaving or returning to Canada, including advising on income tax and equalization arrangements. Throughout, your people are assured of continuity of service through their personal Financial Consultant. By offering your executives and key employees such a comprehensive suite of services you can make sure your two most critical resources – time and talent, are protected. With Key Employee Financial Management, you can: – ensure your employees can focus on the business at hand without being distracted by personal financial management. – enhance your ability to attract and retain top talent with a unique point of discrimination from other employers – ensure your key employees realize the full benefit from your compensation package - engage your spouse as part of the process – we take an educational point of view In addition, your key people can benefit from an approach that is above and beyond their experience with broad-based financial institutions and have peace of mind knowing that their personal financial goals are being managed by a team of financial professionals. [Advance slide]
  • Our Financial Education and Employer Services are designed to reach a much larger group of employees, providing them with the knowledge and understanding they need to properly utilize your company’s benefits program. Through education and understanding, we empower employees to become active participants, making financial security an achievable goal. Providing your people with financial and retirement planning support reinforces their value to the company and is part of an effective recruitment and retention strategy. And it ensures that you can meet your long-term corporate governance obligations with respect to Capital Accumulation Plans. We begin with the development of a strategic plan for financial education, understanding your business’s needs and objectives, corporate culture and organizational challenges. We use a multi-disciplinary approach – – individual one-on-one counselling, personalizing education for the employee and tailoring it to their position and asset level. – workshops and seminars for groups, customized based on your benefits program and delivered in the workplace – online education through our proprietary T.E. Learn web-based internet learning tool. Engaging and informative, T.E. Learn can be integrated with your company’s Intranet site and provides access to wide range of financial topics in easy-to-digest, bite-sized articles. We’ve found this approach to be most effective because it recognizes different learning styles and can deliver to a diverse range of workplace environments. [Advance slide]
  • We provide pension fund management services to corporations and aboriginal communities through T.E. Investment Counsel Inc. Our focus is on disciplined investment management governed by three key principles: A sound investment policy is key to investing success Blending styles and managers decreases risk and smoothes returns Good managers can add value over time We take the time to understand and analyze return objectives, risk tolerance, spending policies and unique constraints to create a customized asset mix and investment policy, tailored to your organization’s goals and objectives. We utilize a multi-manager approach, providing you with access to world-class institutional managers. For example, [Name a couple] Our manager selection criteria emphasizes performance, process and people to determine the best managers to meet your company’s needs. And rigorous and ongoing manager monitoring and evaluation ensures those managers selected remain in step with your goals. Our consolidating quarterly reporting compares overall portfolio performance with the relevant benchmarks and established return objectives so you always have a clear picture of how your investments are doing. It is this same disciplined approach that we bring to our individual clients through our Wealth Management & Strategy services. [Advance slide]
  • . Your Financial Consultant will work with you to develop an in-depth profile of your overall financial situation. Tapping into our in-house financial expertise, depending on your needs, we will put together a personalized wealth management plan covering everything from protecting your current position to building and preserving your accumulated assets. Building on this plan, your investment counsellor will develop your personal Investment Policy Statement – defining your investment objectives and the rules, constraints and guidelines that dictate our actions on your behalf. Throughout we will keep you updated on your progress through regularly scheduled meetings and quarterly portfolio reporting. You’ll find our people to be highly responsive. We have built our business by catering to the inevitable life and career changes that affect our clients in a variety of ways and we will constantly reassess your financial situation to anticipate your changing needs. [Advance slide]
  • Our consultants loyalty and years of service are a source of pride at T.E. Wealth, having brought our clients consistency and stability of service over the years. We are highly professional group. All of our Financial Consultants hold the Certified Financial Planning designation, as do many of their assistants. The CFP is considered the recognized standard among financial planning professionals, requiring extensive study and an ongoing commitment to continuing education. Many of our people are accredited specialists in areas such as estate and trust planning, expatriate issues and the financial implications of divorce. On our 2006 Client Survey, our financial consultants averaged a score of 6.3 out of 7 – high marks in terms of client satisfaction. Every one of our Investment Counsellors holds the Chartered Financial Analyst charter, an international designation for investment professionals awarded by the CFA Institute, and they too receive a high client satisfaction rating, averaging 6.2 out of 7. Whether you are an individual client or receiving our services through your place of business, you have access to our expert resources and can benefit from their extensive experience and in-depth knowledge. [Advance slide]
  • Why are we the choice of many of Canada’s leading companies and top organizations? We have extensive experience – For more than 35 years we have been helping individuals and their families, employers and employee groups, and institutional managers achieve their goals We offer customized solutions – Our client-centric focus and FEE-ONLY approach ensures that the solutions we provide are specifically tailored to your needs. We’re recognized for our outstanding service – in survey after survey our clients give us top marks. 94% report they are highly-satisfied with our services. With offices across the country and through our investment in technology, we can deliver services anywhere in Canada We provide you with access to a national network of financial experts with a diverse array of skills, experience and specialized knowledge Last but certainly not least – our FEE-ONLY approach. It has been a defining part of T.E. Wealth’s culture for more than 35 years and demonstrates our longstanding commitment to independent advice and client service. In today’s crowded and competitive marketplace, I believe T.E. Wealth offers an attractive proposition for businesses and organizations looking to distinguish themselves from their competitors, build stronger ties with their employees and fulfill their corporate governance requirements. I look forward to discussing how T.E. Wealth can help you achieve your goals. Questions? Comments? Thank you for your time this morning/afternoon/evening. If you need more information or have further questions, please be sure to contact me.
  • T.E. Wealth Corporate Presentation

    1. 2. DISCOVER THE T.E. WEALTH DIFFERENCE <ul><li>More than 35 years of providing independent advice </li></ul><ul><li>Trademarked the “FEE-ONLY” approach </li></ul><ul><li>National company with offices from coast to coast </li></ul><ul><li>Competitive and cost-effective fee structure </li></ul>
    2. 3. WHAT T.E. WEALTH CAN DO For your business For your executives and key employees For you, as an individual
    3. 4. WHAT T.E. WEALTH CAN DO <ul><li>Wealth Management & Strategy </li></ul>For your business For your executives and key employees For you, as an individual
    4. 5. WHAT T.E. WEALTH CAN DO <ul><li>Comprehensive Financial Planning </li></ul><ul><li>Investment Counselling </li></ul><ul><li>International Advisory Services </li></ul><ul><li>Transition Services </li></ul><ul><li>Wealth Management & Strategy </li></ul>For your business For your executives and key employees For you, as an individual
    5. 6. WHAT T.E. WEALTH CAN DO <ul><li>Financial Education & Employer Services </li></ul><ul><li>Pension Fund Management </li></ul><ul><li>Comprehensive Financial Planning </li></ul><ul><li>Investment Counselling </li></ul><ul><li>International Advisory Services </li></ul><ul><li>Transition Services </li></ul><ul><li>Wealth Management & Strategy </li></ul>For your business For your executives and key employees For you, as an individual
    6. 7. FOUR BUSINESS UNITS Wealth Management & Strategy Institutional Investment Management Financial Education & Employer Services Key Employee Financial Management
    7. 8. KEY EMPLOYEE FINANCIAL MANAGEMENT <ul><li>Designed for key employees of major corporations, small-to-medium-sized enterprises, professional firms and associations </li></ul><ul><ul><li>Comprehensive Financial Planning </li></ul></ul><ul><ul><li>Investment Counselling </li></ul></ul><ul><ul><li>Transition Services for retirement, outplacement and survivor support </li></ul></ul><ul><ul><li>International Advisory Services </li></ul></ul><ul><ul><li>Services of a personal Financial Consultant and Investment Counsellor </li></ul></ul>
    8. 9. FOUR BUSINESS UNITS Wealth Management & Strategy Institutional Investment Management Financial Education & Employer Services Key Employee Financial Management
    9. 10. FINANCIAL EDUCATION & EMPLOYER SERVICES <ul><li>Designed for employee groups and association members </li></ul><ul><ul><li>Development of a strategic plan for financial education </li></ul></ul><ul><ul><li>Proactively addresses pension governance requirements </li></ul></ul><ul><ul><li>Focus is on financial education and personal responsibility </li></ul></ul><ul><ul><li>Program delivery tailored to local needs </li></ul></ul><ul><ul><ul><li>Workshops and seminars </li></ul></ul></ul><ul><ul><ul><li>One-on-one financial planning </li></ul></ul></ul><ul><ul><ul><li>Online education through T.E. Learn </li></ul></ul></ul><ul><ul><li>Ongoing reporting and assessment </li></ul></ul>
    10. 11. FOUR BUSINESS UNITS Wealth Management & Strategy Institutional Investment Management Financial Education & Employer Services Key Employee Financial Management
    11. 12. INSTITUTIONAL INVESTMENT MANAGEMENT <ul><li>Pension fund management for clients, which include corporations and aboriginal communities </li></ul><ul><ul><li>Customized asset mix and investment policy </li></ul></ul><ul><ul><li>Tailored to your organization’s goals and objectives </li></ul></ul><ul><ul><li>Selection criteria focused on performance, process and people </li></ul></ul><ul><ul><li>Consolidated quarterly reporting </li></ul></ul>
    12. 13. FOUR BUSINESS UNITS Wealth Management & Strategy Institutional Investment Management Financial Education & Employer Services Key Employee Financial Management
    13. 14. WEALTH MANAGEMENT & STRATEGY <ul><li>Fully integrated wealth management for high net worth individuals and their families </li></ul><ul><ul><li>Complete financial and investment analysis </li></ul></ul><ul><ul><li>Personalized wealth management plan </li></ul></ul><ul><ul><li>Investment policy statement and portfolio selection </li></ul></ul><ul><ul><li>Ongoing management and reporting </li></ul></ul><ul><ul><li>Services of your personal Financial Consultant and Investment Counsellor </li></ul></ul>
    14. 15. ACCESS TO EXPERT RESOURCES <ul><li>Financial Consultants – 100% CFPs </li></ul><ul><ul><li>Average client satisfaction rating – 6.3 out of 7* </li></ul></ul><ul><li>Investment Counsellors – 100% CFAs </li></ul><ul><ul><li>Average client satisfaction rating – 6.2 out of 7* </li></ul></ul><ul><li>Average tenure – 12+ years with T.E. Wealth </li></ul><ul><ul><li>*Source: 2006 T.E. Wealth Client Survey </li></ul></ul>
    16. 17. SIX REASONS TO CHOOSE T.E. WEALTH <ul><li>Extensive experience </li></ul><ul><li>Customized solutions </li></ul><ul><li>Outstanding service </li></ul><ul><li>National reach </li></ul><ul><li>Expert resources </li></ul><ul><li>FEE-ONLY™ approach </li></ul>