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We hope you and your family are keeping well. This has been a challenging year for many of us and as such, we’ve focused this edition of Perspectives on well-being and wealth planning for the future. We will look at how the right planning strategies can protect your wealth and help ensure you achieve your long-term goals.

Regardless of your life stage or situation, “Financial planning: Nine key areas of focus” will provide you with tips in reviewing your goals and needs, and planning aspects to consider as part of financial well-being. For the younger generation, we explore key financial literacy concepts parents can use to start the conversation about managing finances. We have also included articles about creating tax savings with income splitting, and the benefits of a regular investing strategy over the long-term.

Throughout the pandemic, there has been growing awareness around the importance of estate planning. Our article “Estate planning in today’s times: Four key elements” discusses how to open up dialogue with family members and fundamental elements to help safeguard one’s wishes and intentions. We also explore shifting trends in charitable giving and how a structured approach may help you make a more meaningful difference over time.

As a long-time sponsor of the Olympics, we are pleased to feature three RBC Olympians who share their expert tips and insights on staying well. We also discuss different ways to incorporate wellness practices into your daily life.

I encourage you to speak with your RBC Wealth Management advisor to learn more about our personalized approach, and how proper wealth planning strategies can provide you and your family with peace of mind for today and tomorrow.

David Agnew, CEO
RBC Wealth Management Canada

This document has been prepared for use by the RBC Wealth Management member companies, RBC Dominion Securities Inc.*, RBC Phillips, Hager & North Investment Counsel Inc., RBC Global Asset Management Inc., Royal Trust Corporation of Canada and The Royal Trust Company (collectively, the “Companies”) and their affiliate, Royal Mutual Funds Inc. (RMFI). *Member – Canada Investor Protection Fund. Each of the Companies, RMFI and Royal Bank of Canada are separate corporate entities which are affiliates. “RBC advisor” refers to Private Bankers who are employees of Royal Bank of Canada and licenced representatives of RMFI, Investment Counsellors who are employees of RBC Phillips, Hager & North Investment Counsel Inc. and the private client division of RBC Global Asset Management Inc., Senior Trust Advisors and Trust Officers who are employees of The Royal Trust Company or Royal Trust Corporation of Canada, or Investment Advisors who are employees of RBC Dominion Securities Inc. In Quebec, financial planning services are provided by RMFI which is licenced as a financial services firm in that province. In the rest of Canada, financial planning services are available through RMFI, Royal Trust Corporation of Canada, The Royal Trust Company, or RBC Dominion Securities Inc. Estate and trust services are provided by Royal Trust Corporation of Canada and The Royal Trust Company. If specific products or services are not offered by one of the Companies, clients may request a referral to another RBC partner. The strategies, advice and technical content in this publication are provided for the general guidance and benefit of our clients, based on information believed to be accurate and complete, but neither the Companies, RMFI, nor Royal Bank of Canada, nor any of its affiliates nor any other person can guarantee accuracy or completeness. This publication is not intended as nor does it constitute tax or legal advice. Readers should consult a qualified legal, tax or other professional advisor when planning to implement a strategy. This will ensure that their individual circumstances have been considered properly and that action is taken on the latest available information. Interest rates, market conditions, tax rules, and other investment factors are subject to change. This information is not investment advice and should only be used in conjunction with a discussion with your RBC advisor. None of the Companies, RMFI, Royal Bank of Canada nor any of its affiliates nor any other person accepts any liability whatsoever for any direct or consequential loss arising from any use of this report or the information contained herein. In certain branch locations, one or more of the Companies may carry on business from premises shared with other Royal Bank of Canada affiliates. Notwithstanding this fact, each of the Companies is a separate business and personal information and confidential information relating to client accounts can only be disclosed to other RBC affiliates if required to service your needs, by law or with your consent. Under the RBC Code of Conduct, RBC Privacy Principles and RBC Conflict of Interest Policy confidential information may not be shared between RBC affiliates without a valid reason.

® / TM Trademark(s) of Royal Bank of Canada. RBC Wealth Management is a registered trademark of Royal Bank of Canada. Used under licence. © 2018 Royal Bank of Canada. All rights reserved. Printed in Canada

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