SteeplechaSe Wealth conSulting group Professional Athlete Services

“Overcoming Obstacles to Achieve Financial Success”

There’s Wealth in Our Approach.™

181 Washington Street, Suite 500

Conshohocken, PA 19428

Office (484) 530-2852

Fax (484) 530-2842

75 State Street, Suite 1700

Boston, MA 02109

Office (617) 725-1701

Fax (617) 725-1777

www.steeplechasewcg.com

RBC WEALTH MANAGEMENT, A DIVISION OF RBC CAPITAL MARKETS, LLC, MEMBER NYSE/FINRA/SIPC.

STEEPLECHASE WEALTH CONSULTING GROUP 1

For many years, you have invested hard work, dedication,

and perseverance into your athletic career. You are now

a member of an elite group who has achieved what many

aspire — a professional athletic career. However, many fail

to realize the vast challenges and responsibilities you face.

And how the decisions you make today will determine

your level of success throughout your lifetime.

the unique challengeS of the profeSSional athlete

n Career Unpredictability — Although many athletes

perform at a high level over the span of two decades, it

is critical to plan against the risks of a shortened playing

career.

n Managing Spending — Implementing a sound budget

is critical when receiving irregular large amounts of

income.

n Retirement Planning — An athlete’s core earning years

are typically condensed into several years. However,

retirement funding may need to last more than 50 years.

n Currency Exposure — Most athletes are paid in

US dollars, yet they may need to hedge against the

fluctuations of a foreign currency.

n Cross Border Relationship Management — Serving

as the primary advisor relationship to keep a seamless

financial transition as athletes residences change

between the U.S. and Canada.

n Tax Planning — Filing a tax return in multiple states,

and at times multiple countries is often cumbersome.

n Managing Real Estate — Owning real estate in multiple

locations requires proper management and planning.

n Asset Protection — High income and High Net Worth

individuals are more likely to be subject to lawsuits.

n Legacy and Charitable Endeavors — Professional

guidance is needed to help an athlete structure their

giving in the most advantageous way.

n Risk Protection — Understanding how to manage

appropriate insurance coverages.

n Managing Target Risk — Athletes with high profiles

and plenty of personal information readily available,

athletes can become easy targets for unwanted

solicitation from unscrupulous businesses, fans

and media.

n Proper Utilization of Debt — Making prudent decisions

when using mortgages, lines of credit, and other

alternative financing techniques.

Your perSonal cfoThe Steeplechase Wealth Consulting Group is a highly

specialized team of professionals who financially advise

with NHL, AHL, CHL, and OHL athletes and coaches in each

aspect of your lives including family and career. The demands

on your schedule are often intense and prevent you from

engaging with multiple advisors and multiple organizations.

Therefore, as your advocate we act on your behalf to manage

all aspects of your financial picture, either directly or with the

assistance of other experts in their appropriate fields.

Our team is dedicated to providing exceptional service,

regular communication, and a sophisticated wealth

planning process.

*International Tax Consulting services available through RBC International Wealth Management.

RBC Wealth Management does not provide legal or tax advice.

n Not FDIC insured n May lose value n No bank guarantee

2 RBC WEALTH MANAGEMENT

our approach The Steeplechase Wealth Consulting Group is committed to

assisting its athletes by taking care of the burden of their

financial affairs, so they can focus on their professional

careers. Our approach looks at the unique circumstances

that affect you and the decisions you must make

throughout each phase of your career.

We understand the responsibilities and stresses that

accompany wealth. Our services are designed to help

professional athletes reduce these pressures and simplify

their lives.

As a client of the Steeplechase Wealth Consulting Group,

you have access to receive the following suite of services:

n Personalized Comprehensive Wealth Planning

n Fiduciary Due Diligence on Money Managers &

Investments

n Aggregation of Financial Assets

n Asset Protection Strategies

n Trust Services

n Philanthropic Planning

n Independent Insurance Review

n Tax Strategies

n Estate and Legacy Planning Coordination

n Cash Flow Management

n Credit & Debt Management

n Visa® Credit and Debit Cards including

RBC Bank Visa® Signature Black Card

n Online Banking and BillPay

n Mortgage and Credit Lending

n Premier Lines of Credits

n International Tax Consulting*

n Health Care Advisory Services

n Cross Border Planning

n Guidance in understanding your

NHLPA Pension/Retirement Options

rBc private Wealth RBC Private Wealth is an exclusive program based on four

key values — relationships, expertise, solutions, and service.

If you hold one million dollars worth of assets with RBC

Wealth Management and have more than five million dollars

of overall net worth, you are eligible to take advantage of

this unique program dedicated to addressing the complex

financial needs of people with significant means.

STEEPLECHASE WEALTH CONSULTING GROUP 3

We will act as the lead of your financial team, aligning

ourselves with you to help ensure the realization of your

goals and objectives.

We have substantial experience in helping high net worth

players, in various stages of their careers, reach their

financial goals. Some of our areas of focus include:

n Deep experience in building your team of experienced

professionals (agents, consultants, etc.)

n Partnering with trust attorneys, professional money

managers, insurance specialists, and retirement

planning specialists to help develop advanced

investment plans

n Entry level contract cash management

n Signing bonus cash management

n Techniques for asset protection, income stabilization,

and estate planning

n Financial strategies for transitioning out of the league

and into another career or retirement

n Helping premier players plan for uncertainties of

income if a career is unexpectedly cut short

our commitment to our plaYerS

As a team, our superior service distinguishes us from other

wealth management firms. At the core of this service is

open communication. Our clients appreciate that we are

readily accessible to address their questions or concerns.

To ensure that our clients receive the level of service

they deserve, the Steeplechase Wealth Consulting Group

limits our client base, specifically to care for the needs of

professional athletes, their families, and affiliates.

As a client, you will receive:

n Open Access to Our Team of Financial Professionals

n Personal, Face-to-Face meetings

n Direct email and phone access to each of the

Steeplechase Wealth Consulting Group team members

the SteeplechaSe Wealth conSulting group guiding BeliefS

n Retaining competent professionals to coordinate your

financial affairs helps to ensure your long term success.

n Our client’s best interests will always be paramount

n Successful investors maintain a patient, long-term

perspective.

n Face-to-face contact with our clients on a regular basis

is critical.

n The cost of professional, unbias financial advice is

money well spent.

4 RBC WEALTH MANAGEMENT

trevor JohnSon

Senior Vice President -

Financial Advisor, International

Consulting Group

(484) 530-2852

trevor.johnson@rbc.com

Trevor is committed to protecting his

professional athletes and their families

by understanding the challenges his players face on a

day to day basis. Trevor focuses extensively on building

the proper team of specialists around each of his players

in various stages of their careers. He builds solid wealth

management plans custom tailored to each players needs

and works cross border to ensure that his players’ financial

management is seamless where ever their career takes

them. In addition to managing the portfolio of investments,

Trevor and his team take the role of the players’ CFO to

guide them through challenging financial decisions. Trevor

prides himself on trust and integrity and his players can see

that on a regular basis when working with him.

Trevor is a graduate of Susquehanna University where

he attended the Sigmund Weis School of Business. He

earned a bachelor’s degree in business administration

with an emphasis in finance. The core of Trevor’s

coursework was concentrated on investment analysis

and portfolio construction/management with a focus

on asset allocation. In 2003, Trevor joined RBC Wealth

Management where he uses his education in wealth

management to help his clients achieve stability

throughout market cycles. Trevor has received RBC

Wealth Management’s prestigious President’s Council

award and is a member of the firm’s Consulting Group

which recognizes financial advisors for their achievement

in building and maintaining consultative, fee-based

businesses. He is also a contributor on financial topics for

CNBC.com. Trevor holds his Series 7, 66, Life, Health and

Long Term Care licenses.

Trevor resides in Chester County Pennsylvania with his

wife and their two daughters. An avid horseman, Trevor

enjoys spending his free time involved in equestrian sports

from eventing to Foxhunting. When not at the barn Trevor

and his family enjoy sailing on the Chesapeake Bay. Trevor

stays involved in the community by volunteering his

financial advice as a board member of a local non-profit.

Brian ruSSo

Associate Vice President -

Financial Advisor

(617) 725-1701

brian.russo@rbc.com

Brian Russo is committed to helping

provide financial peace of mind to

his clients, which he accomplishes

through a disciplined approach to accumulating,

managing, and preserving wealth. Brian personally

customizes comprehensive wealth management plans

focused solely on the best interest of his clients. He

believes that financial success stems from professionalism,

hard work, and honesty, all of which are encompassed

in his commitment to building a strong, long-term

relationship with his clients. The foundation of the

relationship is built on understanding and achieving the

client’s financial objectives and life-long goals.

Brian graduated from Babson College with a Bachelor

of Science degree in business management with a

concentration in finance and marketing. The core of

Brian’s coursework was focused on understanding the

role and the functions of the financial markets. When not

in the classroom, Brian spent most of his time playing for

the varsity ice hockey team. He began his career in the

securities industry in 2002 with UBS Financial Services.

Brian holds his Series 7 and 66 licenses as well as his Life

and Health Insurance licenses.

Brian was born and raised in Winchester, MA, and

currently resides in Windham, NH with his wife. Outside of

the office, he enjoys spending time with his family, golfing,

hockey, and traveling. In addition, Brian is a member

of the Babson Alumni Club and the Brewster Academy

Alumni Club.

aBout uS

STEEPLECHASE WEALTH CONSULTING GROUP 5

KimBerlY Brennan

Senior Registered Client Associate

(484) 530-2825

kim.brennan@rbc.com

Kim brings over 17 years of

professional experience to the

Steeplechase Wealth Consulting

Group. She started her career as an

operations associate and worked her way up to senior

registered client associate. Kim has worked at various

firms and has been with RBC Wealth Management since

2007. Her attention to detail and client requests is what

helps the team provide exceptional client service as a top

priority. Kim currently holds the Series 7 and 63 licenses.

Kim was born and raised in Broomall, PA. She is the proud

mother of two young boys who keep her very active with

sports and school events. Kim enjoys traveling, sporting

events, and spending time with her family and friends.

Wealth management profeSSionalS The Wealth Management Professionals serve as a resource

to RBC Wealth Management® financial advisors. They

develop a stronger understanding of your personal

financial objectives, gather valuable information and

support complex financial and wealth strategies issues for

the clients of RBC Wealth Management.

liz Jacovino, cfp®, ctfa

Vice President - Wealth Strategies Consultant/

Estate and High Net Worth

Liz has spent the past decade working with advisors

and clients, showing them how to preserve wealth and

value in their estates for future generations. Liz is a

graduate of Johnson and Wales College. She holds the

CERTIFIED FINANCIAL PLANNERTM certification and the

Certified Trust financial Advisor (CTFA) designation. Liz

is also Adjunct Professor at Pace University’s College for

Professional Education, where she teaches estate planning.

As part of her responsibilities, Liz works with RBC Wealth

Management financial advisors to develop appropriate

wealth management solutions for clients in the areas of

estate and business succession planning. Liz places special

emphasis on helping clients control estate and gift taxes.

She specializes in reviewing clients’ existing estate and

business succession plans, and making recommendations

for changes, when appropriate.

michael p. BerenS

Vice President – Wealth Planning and

Insurance Consultant

Mike has been with RBC Wealth Management since 1999.

Previously, he spent 13 years in the financial services

industry. He has worked as a registered representative and

as a senior executive focusing on meeting the financial

planning and estate planning needs of individual clients.

Mike received his B.S. degree from Mount St. Mary’s

University. As part of his responsibilities, Mike works

with other RBC Wealth Management professionals to

support the firm’s financial advisors in all aspects of the

wealth planning process. Mike specializes in employing

insurance-based strategies and solutions — including

long-term care insurance, term life insurance, irrevocable

life insurance trusts and survivorship life insurance — to

help clients achieve their wealth and estate planning goals.

nina chotani Credit Officer

Nina Chotani is a Credit Officer with RBC Wealth

Management. Based in New York, Nina supports the

East region with her extensive knowledge of securities-

based lending and the unique credit needs of high net

worth individuals. As part of her responsibilities, Nina

creates custom credit solutions that can help clients with

their liquidity management goals, including real estate

purchases, bridge financing, and refinancing existing high-

cost debt. Nina joined RBC in 2002, and has held various

credit-related and management positions within the firm.

She has held these posts in cities across Canada and the

US. Nina received a business degree from Concordia

University and a MBA degree from McGill University,

both located in Montreal, Canada. Nina holds her Series 7

license and she is fluent in French.

cathY WalKer

Trust Consultant

Cathy has more than twenty years experience working in the trust industry as

a marketing consultant, trust officer, and business development professional.

Cathy earned a bachelor’s degree from Wilmington University and has

attended Cannon Financial Institute’s Trust School. Cathy is responsible

for helping RBC Wealth Management financial advisors promote family

legacy planning concepts to clients. She also helps educate clients about

the benefits of using wealth management strategies that incorporate trust

solutions. Overall, her goal is to enhance the relationship clients have with

their financial advisor by helping them make optimal use of trust strategies.

She has a strong background in retail investing — with a special emphasis

on understanding and complying with fiduciary responsibilities related to

investments held in trusts. Her experience as a wealth manager expands the

perspective she brings to trust strategies. She is familiar with investments in

trust and able to clearly and simply communicate with clients about trust

solutions that both optimize opportunities and mitigate risks. Cathy has

deep expertise with Delaware trusts, which offer many attractive benefits to

financially successful families. Furthermore, she has extensive knowledge of

various trust structures.

Shannon BroWn

Relationship Manager, RBC Bank

Shannon provides a seamless transition to US banking for high net worth clients

with a primary focus on Sports and Entertainment. She is able to cater to the

needs of a demanding life style by collaborating with a global network of Royal

Bank partners, attorneys, CPA’s and agents to meet all needs while shadowing

the Black Card Service experience. Within her scope of retail banking, Shannon

can fulfill credit needs as well as US mortgages to cross border clients with ease

and understanding. Whether you are looking for a one-on-one relationship

or a simple one point of contact for your complex lifestyle, she is uniquely

positioned to offer advice and assistance with a global teamwork approach.

Shannon has 10 year of experience in banking services and is registered with the

U.S. National Mortgage Licensing System.

© 2014 RBC Capital Markets, LLC. All rights reserved. 14-CQ-205 (10/14)