{"id":59,"date":"2024-09-27T17:12:05","date_gmt":"2024-09-27T21:12:05","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-us\/?page_id=59"},"modified":"2026-01-08T15:56:39","modified_gmt":"2026-01-08T20:56:39","slug":"legal","status":"publish","type":"page","link":"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal","title":{"rendered":"Legal information and disclosures"},"content":{"rendered":"\n<div class=\"wp-block-rbcwm-hero-block rbc-hero-wm  rbc-hero-overlap rbc-hero-overlap-mobile rbc-hero-8iebauook hide-mobile-energy-lines\"><style>\n\t\t.rbc-hero-8iebauook.is-style-rbc-hero-gradient::before {\n\t\t\tbackground: linear-gradient(90deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-8iebauook.is-style-rbc-hero-gradient.rbc-hero-has-image-bleed::before {\n\t\t\tbackground: linear-gradient(90deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-8iebauook.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom::before {\n\t\t\tbackground: linear-gradient(180deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-8iebauook .rbc-hero-energy-lines.rbc-hero-energy-lines-left {\n\t\t\ttransform: scaleX(-1);\n\t\t}\n\n\t\t@media (max-width: 991px) {\n\t\t\t.rbc-hero-8iebauook.is-style-rbc-hero-gradient::before,\n\t\t\t.rbc-hero-8iebauook.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom::before,\n\t\t\t.rbc-hero-8iebauook.is-style-rbc-hero-gradient.rbc-hero-has-image-bleed::before {\n\t\t\t\tbackground: none;\n\t\t\t}\n\n\t\t\t.rbc-hero-8iebauook.rbc-hero-has-image-full.hide-mobile-energy-lines .rbc-hero-energy-lines {\n\t\t\t\tdisplay: none;\n\t\t\t}\n\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-8iebauook.is-style-rbc-hero-gradient .rbc-hero-img-wrap::after {\n\t\t\t\tbackground: linear-gradient( 0deg, #023169 0%, rgba(94, 120, 131, 0) 25% );\n\t\t\t}\n\t\t\t\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-8iebauook.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom .rbc-hero-img-wrap::before,\n            .wp-block-rbcwm-hero-block.rbc-hero-8iebauook.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom .container .rbc-hero-img-wrap::before {\n\t\t\t\tbackground: linear-gradient( 180deg, #023169 0%, rgba( 94, 120, 131, 0 ) 25% );\n\t\t\t}\n\t\t\t\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-8iebauook.is-style-rbc-hero-gradient .rbc-hero-card {\n\t\t\t\tbackground: #023169;\n\t\t\t}\n\t\t}\n\t<\/style><div class=\"container\"><div class=\"row no-gutters\"><div class=\"col-lg-12 rbc-hero-card-content\"><div class=\"rbc-card rbc-hero-card rbc-hero has-content\"><div class=\"rbc-card-wrap\"><div class=\"rbc-card-body\"><div class=\"rbc-hero-body-content\"><h1 class=\"rbc-hero-title\"><span>RBC Wealth Management legal information and disclosures<\/span><\/h1><\/div><\/div><\/div><\/div><\/div><div class=\"rbc-hero-img-wrap col-lg-5 order-2 order-lg-1\"><\/div><\/div><\/div><\/div>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-grey has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<div class=\"wp-block-group rbc-block-spacer-sm is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"row justify-content-start wrap blockId-86c86adc-ebfd-42f3-b810-38ca72680837\">\n<div class=\"wp-block-rbcwm-column col-lg-8 mb-2\">\n<h2 class=\"wp-block-heading h5 mb-1\" id=\"h-select-to-review-specific-regulatory-information\">Select to review specific regulatory information<\/h2>\n\n\n\n<ul class=\"wp-block-list list-links list-spaced rbc-block-header-cta\">\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/client-relationship-summary.pdf\" data-type=\"attachment\" data-id=\"497\" target=\"_blank\" rel=\"noreferrer noopener\">Client Relationship Summary Disclosure (Form CRS)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/brokerage-disclosure-document.pdf\" data-type=\"attachment\" data-id=\"3960\" target=\"_blank\" rel=\"noreferrer noopener\">Brokerage Disclosure Document<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/schedule-of-fees-updated.pdf\" data-type=\"attachment\" data-id=\"3961\" target=\"_blank\" rel=\"noreferrer noopener\">Schedule of Fees<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-column col-lg-4\">\n<h3 class=\"wp-block-heading h5 mb-1\">Related external links:<\/h3>\n\n\n\n<ul class=\"wp-block-list list-links list-spaced rbc-block-header-cta\">\n<li><a href=\"https:\/\/www.investor.gov\/CRS\" class=\"link-external\" target=\"_blank\" rel=\"noreferrer noopener\">Investor.gov\/CRS<\/a><\/li>\n\n\n\n<li><a href=\"http:\/\/finra-markets.morningstar.com\/BondCenter\/Default.jsp\" class=\"link-external\" target=\"_blank\" rel=\"noreferrer noopener\">FINRA Bond Center<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/brokercheck.finra.org\/\" class=\"link-external\" target=\"_blank\" rel=\"noreferrer noopener\">FINRA BrokerCheck<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/emma.msrb.org\/\" class=\"link-external\" target=\"_blank\" rel=\"noreferrer noopener\">MSRB Municipal Bonds<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.sec.gov\/fast-answers\/answerssec31htm.html\" class=\"link-external\" target=\"_blank\" rel=\"noreferrer noopener\">Section 31 Fees<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-card rbc-card\"><div class=\"rbc-card-wrap\"><div class=\"rbc-card-body\"><div>\n<h2 class=\"wp-block-heading h4 header-underline mb-1\">Account specific disclosures<\/h2>\n\n\n\n<div class=\"wp-block-rbcwm-columns container rbc-block-spacer-sm\"><div class=\"row blockId-38fee000-81cc-41f6-93d6-e6cacd70a00c\">\n<div class=\"wp-block-rbcwm-column col-md-6 mb-1 mb-md-0\">\n<ul class=\"wp-block-list list-links list-spaced rbc-block-header-cta\">\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/client-account-agreement-disclosures.pdf\" data-type=\"attachment\" data-id=\"3987\" target=\"_blank\" rel=\"noreferrer noopener\">Client Account Agreement &amp; Disclosures<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/wm-investment-guidelines-overview.pdf\" data-type=\"link\" data-id=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/advisory-master-services-agreement-wm.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Investment Guidelines Overview<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/advisory-master-services-agreement-wm.pdf\" data-type=\"link\" data-id=\"https:\/\/wpvip-rbcwealthmanagement-com-preprod.go-vip.net\/assets\/wp-content\/uploads\/documents\/legal\/wm-investment-guidelines-overview.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Advisory Master Services Agreement Terms &amp; Conditions and Disclosures<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/advisory-disclosure-documents-form-adv2a\" class=\"link-cta link-chev\">Advisory Disclosure Documents (Form ADV2A)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/529-plans\" class=\"link-cta link-chev\">529 Plans<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-column col-md-6\">\n<ul class=\"wp-block-list list-links list-spaced rbc-block-header-cta\">\n<li><strong>Retirement Accounts:<\/strong>\n<ul class=\"wp-block-list list-spaced-condensed mt-half\">\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/retirement-agreements\" data-type=\"attachment\" data-id=\"3995\" class=\"link-cta link-chev\">Retirement Agreements<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/erisa-section-408-b-2\" class=\"link-cta link-chev\">ERISA Section 408(b)(2) Service Provider Disclosures<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/important-information-regarding-your-ira.pdf\" data-type=\"URL\" data-id=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/important-information-regarding-your-ira.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Important information regarding your IRA<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/qpam-exemption-pte.pdf\" target=\"_blank\" rel=\"noreferrer noopener\" class=\"border-bottom-0\">QPAM Notice of Exemption PTE 2025-07<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/retirement-fiduciary-status-disclosure.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Retirement Fiduciary Status Disclosure<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/Retirement-plan-participant-402.pdf\" data-type=\"attachment\" data-id=\"3996\" target=\"_blank\" rel=\"noreferrer noopener\">Retirement Plan Participant 402(f) Disclosure<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/what-you-need-to-know-about-retirement-rollovers.pdf\" data-type=\"attachment\" data-id=\"3998\" target=\"_blank\" rel=\"noreferrer noopener\">What you need to know about retirement rollovers<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/what-you-need-to-know-about-ira-rollovers.pdf\" data-type=\"attachment\" data-id=\"3997\" target=\"_blank\" rel=\"noreferrer noopener\">What you need to know about IRA rollovers<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading h4 header-underline mb-1\" id=\"h-investment-research-and-product-disclosures\">Investment research and product disclosures<\/h2>\n\n\n\n<div class=\"wp-block-rbcwm-columns container rbc-block-spacer-sm\"><div class=\"row blockId-1c00f086-af0d-411e-a471-86631b03b002\">\n<div class=\"wp-block-rbcwm-column col-md-6 mb-1 mb-md-0\">\n<ul class=\"wp-block-list list-links list-spaced rbc-block-header-cta\">\n<li><strong>Cash Management:<\/strong>\n<ul class=\"wp-block-list list-spaced-condensed mt-half\">\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/wm-cash-sweep-overview.pdf\" data-type=\"attachment\" data-id=\"4017\" target=\"_blank\" rel=\"noreferrer noopener\">Cash Sweep Program Overview<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/rbc-insured-deposits\" class=\"link-cta link-chev\">RBC Insured Deposits<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/rbc-premium-savings\" data-type=\"link\" data-id=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/?page_id=20381&amp;preview=1&amp;_ppp=b0ad8a08cb\" class=\"link-cta link-chev\">RBC Premium Savings<\/a><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Credit and Lending:<\/strong>\n<ul class=\"wp-block-list list-spaced-condensed mt-half\">\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/rbc-credit-access-line\" class=\"link-cta link-chev\">RBC Credit Access Line<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/rbc-express-credit\" class=\"link-cta link-chev\">RBC Express Credit&nbsp;<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/margin-disclosure-statement.pdf\" data-type=\"attachment\" data-id=\"4015\" target=\"_blank\" rel=\"noreferrer noopener\">Margin Disclosure Statement<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/tailored-lending\" class=\"link-cta link-chev\">Tailored Lending<\/a><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/fixed-and-variable-annuities\" class=\"link-cta link-chev\">Fixed and Variable Annuities<\/a><\/li>\n\n\n\n<li><strong>Fixed Income:<\/strong>\n<ul class=\"wp-block-list list-spaced-condensed mt-half\">\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/auction-rate-procedures\" class=\"link-cta link-chev\">Auction Rate Procedures<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/certificate-of-deposit-disclosure-statement.pdf\" data-type=\"attachment\" data-id=\"4007\" target=\"_blank\" rel=\"noreferrer noopener\">Certificate of Deposit Disclosure<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/high-yield-securities-disclosure.pdf\" data-type=\"attachment\" data-id=\"4013\" target=\"_blank\" rel=\"noreferrer noopener\">High-Yield Securities Disclosure<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/mortgage-backed-securities-mbs-and-collateralized-mortgage-obligations-cmos.pdf\" data-type=\"attachment\" data-id=\"4016\" target=\"_blank\" rel=\"noreferrer noopener\">Investor\u2019s Guide to MBS and CMOS<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/negative-yield-bond-disclosure.pdf\" data-type=\"link\" data-id=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/negative-yield-bond-disclosure.pdf\">Negative Yield Bonds Disclosure<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/partial-redemption-of-callable-securities\" class=\"link-cta link-chev\">Partial Redemption of Callable Securities<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/structured-products-reverse-convertible-notes-disclosure.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Structured Products: Reverse Convertible Notes<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/variable-rate-demand-obligations\" data-type=\"URL\" data-id=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/variable-rate-demand-obligations\" class=\"link-cta link-chev\">Variable Rate Demand Obligations<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-column col-md-6\">\n<ul class=\"wp-block-list list-links list-spaced rbc-block-header-cta\">\n<li><strong>Mutual Funds<\/strong> <strong>and ETFs:<\/strong>\n<ul class=\"wp-block-list list-spaced-condensed mt-half\">\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/fees-to-rbc-affiliates\" class=\"link-cta link-chev\">Fees to RBC Affiliates<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/key-investor-information-kiid-document\" class=\"link-cta link-chev\">Key Investor Information (KIID) Document<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/interval-fund-disclosure.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Interval Funds Disclosure<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/leveraged-and-inverse-product-disclosure\" class=\"link-cta link-chev\">Leveraged and Inverse Product Disclosures<\/a><\/li>\n\n\n\n<li><a href=\"\/en-us\/legal\/mutual-fund-etf-arrangements\" data-type=\"URL\" data-id=\"\/en-us\/legal\/mutual-fund-etf-arrangements\" class=\"link-cta link-chev\">Mutual Fund and ETF Arrangements<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/wm-mutual-fund-overview.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Mutual Fund Overview<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcgam.com\/en\/landing?dest=https:\/\/us.rbcgam.com\/mutual-funds\/default.fs\" class=\"link-external\" target=\"_blank\" rel=\"noreferrer noopener\">RBC Global Asset &nbsp;Management &nbsp;Mutual &nbsp;Funds<\/a><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/characteristics-and-risks-of-standardized-options.pdf\" data-type=\"attachment\" data-id=\"4008\" target=\"_blank\" rel=\"noreferrer noopener\">Options Disclosure Document<\/a><\/li>\n\n\n\n<li><strong>Trading:<\/strong>\n<ul class=\"wp-block-list list-spaced-condensed mt-half\">\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/approved-currencies.pdf\" data-type=\"link\" data-id=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/approved-currencies.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Approved Currencies<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/dividend-reinvestment-program-disclosure.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Dividend Reinvestment Program Disclosure<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/extended-hours-trading-risk-disclosure.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Extended Hours Trading Risk Disclosure<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/important-information-about-investment-managers-and-trading-practices.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Investment Managers and Trading Practices<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/risks-of-using-stop-orders.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Risk of Using Stops Orders<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/sec-order-handling-disclosures\" class=\"link-cta link-chev\">SEC Order Handling Disclosures<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/the-shortened-settlement-cycle.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">The Shortened Settlement Cycle<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading h4 header-underline mb-1\" id=\"h-rbc-wealth-management-and-regulatory-disclosures\">RBC Wealth Management and regulatory disclosures<\/h2>\n\n\n\n<div class=\"wp-block-rbcwm-columns container\"><div class=\"row blockId-1cc59cd6-3ed3-419f-b6a0-270fb1299a43\">\n<div class=\"wp-block-rbcwm-column col-md-6 mb-1 mb-md-0\">\n<ul class=\"wp-block-list list-links list-spaced rbc-block-header-cta\">\n<li><strong>Disclosures:<\/strong>\n<ul class=\"wp-block-list list-spaced-condensed mt-half\">\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/business-continuity-plan\" class=\"link-cta link-chev\">Business Continuity Plan<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/cost-basis-updates\" class=\"link-cta link-chev\">Cost Basis Updates&nbsp;<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/email-disclosures\" class=\"link-cta link-chev\">Email Disclosures&nbsp;<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/foreign-tax-relief-and-reclamation-overview.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Foreign Tax Relief and Reclamation Overview<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/equal-employment-opportunity-affirmative-action-and-non-discrimination-policy\" class=\"link-cta link-chev\">Equal Opportunity Employment<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/legal-and-tax-advice\" class=\"link-cta link-chev\">Legal and Tax Advice<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal-entity\" class=\"link-cta link-chev\">Legal Entity<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/our-privacy-policy\" class=\"link-cta link-chev\">Privacy Policy<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/research-disclosure\" class=\"link-cta link-chev\">Research Disclosure<\/a><\/li>\n\n\n\n<li><a href=\"http:\/\/www.rbc.com\/legal\/#social_media\" class=\"link-cta link-chev\">Social Media<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/statement-of-financial-condition\/\" data-type=\"page\" data-id=\"4149\" class=\"link-cta link-chev\">Statement of Financial Condition<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-column col-md-6\">\n<ul class=\"wp-block-list list-links list-spaced rbc-block-header-cta\">\n<li><strong> Agreements:<\/strong>\n<ul class=\"wp-block-list list-spaced-condensed mt-half\">\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/agreement-to-use-rbc-wealth-management-online-u-s-rbc-advisor-connect-and-or-investor-connect\">Client Website User Agreement<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/wm-rbc-online-bill-payment-subscriber-agreement.pdf\" data-type=\"link\" data-id=\"https:\/\/wpvip-rbcwealthmanagement-com-preprod.go-vip.net\/assets\/wp-content\/uploads\/documents\/legal\/wm-rbc-online-bill-payment-subscriber-agreement.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">RBC Online Bill Payment Subscriber Agreement<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/terms-of-use\">Terms of Use<\/a>\n<ul class=\"wp-block-list\">\n<li class=\"list-spaced-condensed mt-half\"><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/non-u-s-residents-international-disclosure\">Non-U.S. Residents and International Disclosure<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong> Referrals:<\/strong>\n<ul class=\"wp-block-list list-spaced-condensed mt-half\">\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/city-national-referral-disclosure-statement.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">City National Referral Disclosure Statement<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/mortgages\">Mortgages<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/trust-services-and-estate-planning\">Trust Services and Estate Planning<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div>\n<\/div><\/div>\n<\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-grey rbc-footer-footnotes rbc-block-small has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<div class=\"row wrap blockId-15f0b13c-8892-405c-99e1-3e0e98983ef8\">\n<div class=\"wp-block-rbcwm-column col-lg-12\">\n<p class=\"is-style-caption has-dark-grey-color has-text-color\"><strong>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.<\/strong> <\/p>\n\n\n\n<p class=\"is-style-caption has-dark-grey-color has-text-color\"><strong>RBC Wealth Management, a division of RBC Capital Markets, LLC, registered investment adviser and Member <a href=\"https:\/\/www.nyse.com\/index\">NYSE<\/a>\/<a href=\"https:\/\/www.finra.org\/\">FINRA<\/a>\/<a href=\"https:\/\/www.sipc.org\/\">SIPC<\/a>.<\/strong><\/p>\n\n\n\n<p><\/p>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":35,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"editor_notices":[],"rbc_url_alias":"legal","footnotes":""},"rbcwm_content_owner":[],"class_list":["post-59","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.8 (Yoast SEO v26.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Legal information and disclosures \u2013 RBC Wealth Management\u2013U.S.<\/title>\n<meta name=\"description\" content=\"RBC Wealth Management legal information and disclosures Select to review specific regulatory information Client Relationship Summary Disclosure (Form CRS)\" \/>\n<meta name=\"robots\" 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