Advisory Solutions

Asset allocation¹ creates a consistent investment structure to help you stay focused on long-term goals through turbulent market cycles. In addition to helping maintain a portfolio that matches your appetite for risk, this strategy can help diversify your portfolio across asset classes and markets as well as support a consistent, disciplined approach to investing. We believe that employing proper asset allocation is the key to a long-term investment strategy, which is why we offer a variety of exclusive, customized asset allocation solutions.

Financial professionals² from Royal Heritage Commercial Bank Securities (USA) Inc.³ can help you to develop a custom asset allocation strategy by taking the time to understand your risk tolerance, time horizon, financial goals, liquidity needs and other relevant factors. Our first priority is to follow an investment strategy with which you are comfortable.

Call info@royalheritagecommercial.com or International clients can call collect info@royalheritagecommercial.com

Mon - Fri (8am - 7:45pm ET)
Sat (9am - 3pm ET)

Because we place a strong emphasis on proper asset allocation, we're pleased to make a wide variety of Royal Heritage Commercial Bank asset allocation solutions available to our clients.

Royal Heritage Commercial Bank Spectrum⁴ provides flexibility for a wide variety of investment styles through an open architecture asset allocation program:

• Five asset allocation models. Models offer allocations to equity and fixed income mutual funds, money market funds and ETFs (exchange traded funds)
• Assistance from your financial professional to evaluate allocation models that align with your tolerance for risk
• Periodic evaluation of client accounts against their selected target model to determine if rebalancing is recommended
• A minimum initial investment of $25,000

Form ADV Part 2 acts as a disclosure document for clients of the business and includes information such as advisory services offered, advisor's fee schedule, whether the investment advisor acts as a broker-dealer and transacts securities, disciplinary information, and conflicts of interest. This information should be read carefully and if you have any questions please reach out to your investment adviser representative.

Royal Heritage Commercial Bank Spectrum 2 Program

Under the Spectrum II Program, client accounts are invested on a fully discretionary basis.

Our Managed Portfolio Account⁴ offers a comprehensive, personalized, and highly-diversified solution for our clients with substantial assets:

• Guidance from an investment adviser, who will work with you to customize an investment portfolio using asset allocation techniques and relying upon the expertise of leading portfolio managers
• Access to carefully researched mutual funds, stocks, bonds, and ETFs (exchange traded funds) to develop the most appropriate asset allocation for you
• Ownership of the securities purchased for your account, which can help you manage the tax implications of your investments
• A long-term investment approach, with ongoing support through various market environments and the evolution of your financial goals
• A minimum investment of $250,000

See important disclosures regarding our managed account products below: