WE Wealth Management Group

WE Wealth Management Group 1

Our team

Value proposition and beliefs relationships, assets, advisors, Our approach to determining value Our philosophy is based on the value of process and interests. and choosing investments, combined collaboration. Putting your interests first • Integrity is irreplaceable. with tactical shifts deemed wise in specific market environments, allows means taking the time to understand • Commitment to lifelong learning us to create a broad range of portfolios your individual needs, goals and the through credentialing. dreams that you have for yourself, that match a client’s income needs and • Our success is measured by the trust your family and your future. This investment horizons. gained from our clients. deep understanding, combined with Our process follows three the powerful global resources we are • We must listen, understand and care. basic principles: able to access on your behalf, lay the How we manage your wealth foundation for your relationship with • Be reasonable—always look at the RBC Wealth Management. The WE Wealth Management Group was facts in front of you. founded on a wealth management vision • Be rational—look beyond emotional What’s important to you? that grew out of a long and successful factors in your evaluations. working relationship among our group’s For many firms, that question is an • Be logical—review the full case before principals. Simply put, clients benefit afterthought, if it’s asked at all. At RBC making a decision. Wealth Management, it’s the foundation from a team of financial advisors with for our partnership with you. complementary skills. All financial There is art and there is science in our advisors manage investments; we feel we approach to creating the allocation Value proposition manage portfolios better than most. Our structure and the underlying advanced planning separates us from We act as a personal CFO (Chief investments in the unique portfolios many financial advisors. We believe Financial Officer) for our clients by we offer. At the same time, there are no wealth enhancement, wealth transfer, comprehensively helping individuals, secrets. The workings of our approach is wealth protection, generational planning families and small business owners with frequently laid out for your review. and charitable giving advice is critical in a wide array of financial matters. the management of your wealth. Beliefs Asset allocations that take into account “Managing portfolios with • Clients come first. both the long-term trend of prices in taxes in mind is central to our • The best financial advice is the result an asset class and shorter-term market philosophy. Just as stock and of expertise and teamwork. momentum are the foundations of bond markets change, tax • Building a life plan requires an portfolios that will better meet your laws change.” understanding of your values, goals, goals over time. –Paul Westphal, CIMA®

Investment and insurance products offered through RBC Wealth Management are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested. 2 RBC Wealth Management

What we provide Our Wealth Management Formula

WM = IC + AP + RM IC = Investment Consulting

WM (Wealth Management) = Management of all investment elements IC to help maximize the probability of clients (Investment Consulting) achieving all that is important to them. + • Portfolio performance analysis AP • Risk evaluation (Advanced Planning) • Asset allocation + • Assessment of impact of costs RM • Assessment of impact of taxes (Relationship Management) • Investment policy statement

AP = WE + WT + WP + CG RM = CRM + PNRM

AP (Advanced Planning) = RM (Relationship Management) = WE CRM (Wealth Enhancement: tax (Client Relationship Management) mitigation and cash flow planning) + + PNRM WT (Professional Network (Wealth Transfer: transferring wealth Relationship Management) effectively; may not be within a family) + WP (Wealth Protection: risk mitigation, legal structures and transferring risk to insurance company) + “The foundation of our practice is planning.” CG (Charitable Giving: maximizing charitable impact) –Tyler Briggs, CFP® WE Wealth Management Group 3

How we serve WE Process

Two weeks One week 45 days 90 days

Investment Discovery meeting Mutual Regular plan meeting 45-day follow up progress meetings Complete commitment meeting Presentation of Organization of discovery process Confirmation Review of progress investment plan and account paperwork advanced plan of commitment and implementation observations of advanced plan

Investment The advanced plan plan and IPS Comprehensive evaluation Diagnostic of current situation, of the entire range of or recommendations for financial needs with our moving forward and details recommendations on our investing approach for moving forward

The professional network Professional network meeting Team of carefully selected Our team of specialists applies professionals, each with a its expertise to evaluate high level of knowledge and all aspects of your financial skill in key financial areas situation and devise appropriate solutions

“Our WE Process sets us apart from other advisors.”

–Blaine Gibson, CFP® 4 RBC Wealth Management

About our team

Paul E. Westphal, CIMA® Tyler R. Briggs, CFP®, AAMS® Senior Vice President – Financial Advisor First Vice President – Financial Advisor Senior Portfolio Manager – Portfolio Focus Portfolio Manager – Portfolio Focus (262) 241-6341 | [email protected] (262) 241-2326 | [email protected]

Paul has more than 30 years of Tyler has more than 13 years of experience in comprehensive wealth experience in the financial services management. His experience includes industry. He develops and manages maintaining relationships with key client relationships with individuals clients, as well as developing asset whose needs go beyond investing. Tyler allocation and investment management is also active as a board member of Safe strategies. Paul is also active in his and Sound, a Milwaukee nonprofit that community and is a board member of focuses on creating safe neighborhoods. the Milwaukee Community Service Corp, the Milwaukee Club and the Tyler leads the WE Wealth Management Milwaukee Concour d’Elegance. Group’s wealth management planning efforts, focusing on plan development and implementation. Paul leads the group on issues of team investment strategy, team construction and business development. Tyler graduated from the University of Wisconsin – Milwaukee He leads the WE Wealth Management Group Investment with a BBA in marketing. He subsequently obtained his Policy Committee. CERTIFIED FINANCIAL PLANNER™ certification through Northwestern University he also holds the Accredited Asset Paul graduated from the University of Wisconsin – Milwaukee Management Specialist certification. with a BBA in finance and subsequently attained his Certified Investment Management AnalystSM (CIMA®) designation through the Wharton Business School. WE Wealth Management Group 5

Blaine Gibson, CFP®, AWMA® Paula Burns Vice President – Financial Advisor Senior Registered Client Associate (262) 241-6342 | [email protected] (262) 241-2338 | [email protected]

Blaine has more than 30 years of Paula began her career in the financial experience in the financial services services industry with Paine Webber in industry, Blaine develops and manages 1985 through a part-time high school client relationships with a focus on internship program. With more than like-minded community influencers. He 15 years of back office experience in is president of the board of directors of Paine Webber/UBS’ operations the Cedarburg Art Museum. Blaine is also department, Paula gained extensive on the board of directors for Asset knowledge of the industry. In 2007, she Builders of America, a non-profit joined the WE Wealth Management organization focusing on financial Group, where she has been providing capability and economic empowerment for low- and moderate- clients with the exceptional level of service that the team income youth. Blaine is an honorary committee member for the maintains as one of its primary goals. Fellowship Open, founded to promote and inspire young men in business and foster support, diversity and inclusion in the Paula leads the group’s client administrative and operations business community. for the team. She is responsible for new client onboarding and relationship management with a focus on advanced planning Blaine leads the group’s educational programs at the University and driving the deliverables for clients and the team. of Wisconsin – Milwaukee and UW Parkside, as well as the group’s presence on social media platforms. She attended the University of Wisconsin – Milwaukee. She passed the Series 7 and 66 exams. Blaine graduated with a Bachelor of Arts degree from Ripon College and holds the CERTIFIED FINANCIAL Bridget Lee PLANNER™ certification and Accredited Wealth Senior Registered Client Associate Management Advisor® designations. (262) 241-2325 | [email protected]

Olinda Ayala Bridget began her career in the financial Financial Advisor services industry more than eight (262) 241-6343 | [email protected] years ago, where she gained extensive knowledge of our client support Olinda began her career in the financial model and developed a passion for services industry assisting low-income excellent service. individuals pursuing financial stability in the nonprofit sector. She is an Bridget leads the team’s portfolio trading active member of the Empower Me and total client portfolio work. foundation board, the Wisconsin Bridget earned her Bachelor of Arts degree in finance from Humane Society advisory board and the University of Wisconsin – Milwaukee. In addition, she the finance committee at the Wisconsin has passed both the Series 7 and 66 exams, and is a notary Woman’s Club. for the state of Wisconsin. She is currently studying for the Olinda leads the team’s next-generation efforts and marketing. CERTIFIED FINANCIAL PLANNER™ certification. In addition, she focuses on new business development and relationship management.

She attended Marquette University, where she earned her bachelor’s degree in international affairs with a focus on economics. She is currently studying for the Accredited Wealth Management Advisor® designation. 6 RBC Wealth Management

Client Strategies Team The Client Strategies Team is a resource to help support you in your wealth planning goals, developing a strong understanding of your personal financial objectives, gathering valuable information and addressing complex financial and wealth strategies issues.

Alex Ingalls Griffin Geisler, MBA Wealth Consultant Wealth Planning Consultant Guides you in choosing effective Addresses retirement planning, strategies and solutions to help build, including helping you make informed protect, convert and transfer wealth. choices about post-retirement finances.

Malia Haskins, JD Scott Rogneby, C(k)P®, CRPS® Wealth Strategist Retirement Consultant Helps navigate the complex needs of Consults with you to develop strategies high-net-worth clients and assists in and solutions for ERISA and non-ERISA identifying the right strategies to retirement plans. meet these needs.

Scott Kennedy Nuri Benturk Credit Consultant Director, Works with financial advisors to Corporate & Executive Services establish a holistic wealth management Provides guidance through regulatory practice that manages both sides of the complexities while delivering sophisticated balance sheet by focusing on clients’ investment options to help companies feel liquidity needs in the short-term, while confident about financial responsibilities. maintaining a long-term focus on goals- based borrowing through the wealth Bryan Mullin planning process. Head of Alternatives Leads Alternatives efforts, overseeing the Alternatives Product Group.

RBC Wealth Management does not provide tax or legal advice. We will work with your independent tax/legal advisor to help create a plan tailored to your specific needs. WE Wealth Management Group 7 8 RBC Wealth Management

Who we serve

Each client is unique, with different At the WE Wealth Group, we provide ‘’We take the time to dreams, challenges and stages of life. personalized wealth management understand our clients and The same investment strategy simply solutions, including: care for our clients. A trusting does not work for everyone. From years • Estate planning strategies for relationship that provides of listening to our clients, we have individuals and families developed our practice with a great value to our clients is • Wealth management strategies focus on your specific concerns, and our ultimate goal.” for corporate executives we have the expertise to deliver a –Paul E. Westphal, CIMA® wealth management strategy that is • Personalized financial strategies right for you. for women • Investment programs for healthcare practices • Investment strategies for small businesses WE Wealth Management Group 9

What we provide Tailored solutions for your individual needs

Estate planning strategies you manage the sale of restricted stock, Investment strategies tailored to You have spent your life accumulating lump-sum distribution strategies, lObS-1 your small business trading plans and concentrated holdings. assets, and now you want to help secure As a small business owner, it’s the future of your loved ones. Together Personalized financial important that you work with a with your professional advisors, we firm that understands the financial strategies for women focus on identifying personalized requirements, risks and rewards of a estate planning strategies that can Traditional societal roles sometimes small business. We are familiar with help minimize the effect of estate taxes result in the sacrifice of women’s strategies for meeting start-up costs and while ensuring that your estate will be personal financial independence. overhead charges, as well as funding distributed according to your wishes. We will work with you to create a capital expenditures. We can help you personalized investment strategy that grow your business by appropriately In addition, we can introduce you to will help preserve your assets now balancing your investment and liquidity an independent, experienced trust or and create a wealth management needs and providing you with access to estate attorney. With the guidance of plan for the future. We understand current account information at all times. an experienced attorney, we can help how important it is to you to live you establish a comprehensive estate comfortably, independently and planning and philanthropic planning without the worry that you will outlive strategy. You have worked hard to build your assets. your wealth over time, and we want to help you address the needs of those you Structuring an investment program care about. for your healthcare practice With many years of experience helping Wealth management for healthcare professionals, we can design corporate executives a personalized investment program that As a busy corporate executive, you will address any cash flow concerns while may find you don’t have the time to providing you access to information focus on the full range of investment about your practice’s finances. We’ll options available to you. We can help also present retirement and insurance you understand the complexities of your alternatives for you and your employees personal or business compensation. and can help you plan for the succession Our own experience combined with or transfer of your practice. the deep expertise of our firm can help 10 RBC Wealth Management

Stewardship (noun): the Stewardship: our values, careful and responsible management of that which has been entrusted to our actions one’s care. Corporate responsibility highlights

RBC Wealth Management is a division Our stewardship commitment extends of RBC Capital Markets, LLC, a wholly beyond helping you manage your owned subsidiary of Royal Bank of wealth. Our deep sense of duty to our Canada (RBC). As a member of the RBC clients, communities, employees and family of companies, our firm shares the the environment is part of a larger same core values and culture of integrity corporate value system that drives every that have earned our parent company, decision we make and guides every RBC, its worldwide reputation for fiscal action we take. strength and responsibility.1

As a result of our long history of embracing stewardship values, we have developed a reputation for putting clients first. Indeed, our number one priority is to carefully manage the wealth you entrust to us—and help you more effectively achieve your financial goals.

1. RBC Capital Markets, LLC is a wholly owned subsidiary of, and separate legal entity from, Royal Bank of Canada. Royal Bank of Canada does not guarantee any debts or obligations of RBC Capital Markets, LLC. WE Wealth Management Group 11

Strength you can trust

About RBC • Acquired City National Bank in 2015, • Named one of Canada’s Greenest Royal Bank of Canada (RBC) is one to offer private and business banking Employers, according to Canada’s solutions and meet a broader range Top 100 Employers project of the world’s leading diversified of clients’ financial needs in select financial services companies. One markets in the U.S.2 that is distinguished by a long heritage Top North American banks5 of financial strength, integrity and Canada’s leading unwavering dedication to our clients. financial institution Rank Company Market cap (US$ B) • Largest bank in Canada, with over Key facts 1 JPMorgan 386 US$1.04 trillion in total assets and a • Chartered in 1869 Common Equity Tier 1 capital ratio of 2 Bank of America 315 • Approximately 81,000 employees 11.8% (Basel III)3 3 Wells Fargo & Co. 268 speaking over 100 languages • #1 or #2 market share across all 4 Citigroup 183 serve more than 16 million major financial products and clients worldwide 5 RBC 114 services in Canada • One of the world’s leading diversified 6 Toronto-Dominion 109 • Recognized for “Best Private Banking financial services companies, Bank Services Overall” in Canada for the providing personal and commercial eleventh consecutive year (2018 5 banking, wealth management Top global banks Euromoney Private Banking and services, insurance, corporate and Wealth Management Survey) investment banking, and transaction Rank Company Market cap (US$ B) 1 JPMorgan 386 processing services on a global basis Stable … safe … sustainable 2 Ind & Comm Bank of 329 • Consistently high credit ratings4 — Among the world’s best China Moody’s A2, Standard & Poor’s A and • Top 15 of largest banks globally1 as 6 HSBC 200 Fitch Ratings AA measured by market capitalization 9 Bank of China 172 • Consistently strong and stable with a • Named one of world’s top 100 high-quality balance sheet, proactive 11 RBC 114 sustainable Companies in 2017— risk management and a strong Corporate Knights Global 100 Most 14 Morgan Stanley 97 liquidity position Sustainable Corporations • In 2017, through Foundation Grants, • Global strength in wealth Employee Matching Gifts and management and capital markets Charitable Sponsorships, RBC Wealth Management’s giving exceeded $4.3 million

Notes

______WE Wealth Management Group 13 WE Wealth Management Group

10528 North Port Washington Road Mequon, WI 53092

Fax: (262) 241-2339 [email protected] www.wewealthmanagementgroup.com

1. As measured by market capitalization as at April 30, 2019. 2. City National Bank is an affiliate of RBC Wealth Management a division of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC, and an indirect wholly- owned subsidiary of the Royal Bank of Canada. City National Bank is a member FDIC. Non-deposit investment products are not FDIC insured, are not deposits or other obligations of City National Bank, its affiliates or subsidiaries, and are not guaranteed by City National Bank. RBC Wealth Management employees may receive compensation from RBC Wealth Management for referring customers to City National Bank.

3. As of April 30, 2019. Capital calculated to include all regulatory adjustments that will be required by 2019 but retaining the phase-out rules of non- qualifying capital.

4. Credit ratings are not recommendations to purchase, sell or hold a financial position in as much as they do not comment on market price or suitability for a particular investor. Ratings are subject to revision or withdrawal at any time by a rating agency.

5. As of May 17, 2018. Source: Bloomberg.

RBC Wealth Management does not provide tax or legal advice. All decisions regarding the tax or legal implications of your investments should be made in connection with your independent tax or legal advisor. RBC Wealth Management, a division of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC. © 2019 All rights reserved. 19-MQ-488 (09/19)