Account Types/Services

PERSONAL INVESTING

• Investment Accounts – Individual / Joint / T.O.D.
• Trusts
• Traditional, Roth, Rollover IRAs
• Custodial Accounts
• 529 College Savings Plans

BUSINESS RETIREMENT PLANS

• 401(k) Plans
• SEP IRA’s
• SIMPLE 401(k) Plans
• 403(b) Plans (Non-Profit Organizations)
• Pension / Profit Sharing Plans

PLANNING

• Retirement Savings
• Retirement Income Analysis
• Asset Allocation
• College Cost Planning

ACCOUNT SERVICES

• Free checking (for families of accounts will an aggregate value of at least $200,000)
• Visa Debit card
• Visa Credit card

INTERNET ACCESS

• Via Investor-Connect, you may view your accounts online with up to the minute pricing of all securities.

ACCOUNT PROTECTION

Our clearing firm, RBC Dain Correspondent Services, is a division of RBC Dain Rauscher™. RBC Dain Rauscher is a member of the Securities Investor Protection Corporation (SIPC). SIPC is a nonprofit membership corporation funded by its member security broker-dealers. SIPC protects the securities clients of its members in the event of the failure of a member firm. SIPC reimburses clients the cash value of their securities up to $500,000 per client. Any cash in a client's account would be reimbursed by SIPC up to $100,000 (reducing the $500,000 above).

RBC Dain Rauscher has purchased an additional policy that offers coverage in excess of the protection provided by SIPC. This coverage covers additional securities and cash protection up to $99.5 million per client, of which $900,000 may be in cash. A $400 million aggregate limit applies to this additional coverage. RBC Dain Rauscher also offers protection if a client’s securities are missing because of theft by an outsider, computer fraud or theft by an employee for personal gain. In such cases, the firm’s CAN$310 million Financial Institution Bond coverage would cover the client’s losses, subject to that policy’s terms, conditions and limits.

Note: Neither SIPC protection, nor protection in excess of that offered by SIPC, covers a decline in the value of a client’s assets due to market loss. Additional information is available upon request or at www.sipc.org.

Each account is therefore protected for up to $100 million in securities and $1 million in cash.