* Want to take a strategic portfolio approach: The Pinnacle Program takes you through the steps of customized strategic asset allocation, arriving at a portfolio positioned in view of your long-term investment objectives.

* Want objective investment advice: We will undertake a thorough analysis of your objectives and your risk tolerance. From there, we will construct a portfolio unique to your needs and conduct annual reviews to assess whether a rebalance of your account is necessary. Program fees are based on your assets, so the growth of your investments in line with your risk/return objectives is also our key focus.

* Want dedicated investment management expertise: The Pinnacle Program investment managers are specialists in their asset class and investment style. They have been chosen from among the strongest institutional managers available to add full asset class and style diversification to the program.

* Want the additional monitoring of a third-party investment consultant: Northern Trust Global Advisors oversees the quality of the Pinnacle managers, assessing both their individual performance and their contribution to the program on the whole.

* Want customized portfolio and performance reporting: You will receive in-depth quarterly performance summaries that report on both the individual funds and your aggregate portfolio, relative to the appropriate individual benchmarks and your customized benchmark. Quarterly investment manager commentaries and fund updates are also available to help you keep current on how the markets are affecting your various investments.

This Program offers you a wide variety of valuable services:
* Access to an investment program that is exclusive to ScotiaMcLeod clients.
* Ongoing objective advice.
* Asset allocation, formalized through a customized Investment Policy Statement.
* Access to among the strongest institutional investment managers available.
* Annual portfolio reviews and rebalancing where appropriate.
* Quarterly performance reporting, manager commentaries and updates.
* Year-end tax reporting (realized gain/loss and fee summaries).

Key Benefit:
The Pinnacle Program fee in a non-registered portfolio may be deductible on your income tax return as an investment consulting fee. Please consult your tax advisor for more information.

For more detailed information about the Pinnacle Program, please click below:
Pinnacle Program Brochure

Northern Trust Global Advisors:
Northern Trust Global Advisors Inc. (NTGA) and its affiliate is an investment consultant and leading “Manager of Managers”: for over 160 clients around the world. NTGA manages over $7 billion in assets, employing over 85 investment managers. NTGA has over 17 years of experience in manager research and selection. The firm, worldwide, conducts over 500 on-site research visits each year. Research teams cover over 100 managers in Canada, over 1,000 in the U.S. and over 200 international managers.

Selecting a manager is, or should be, like picking stocks. It requires extensive research and a disciplined analytical process combined with the knowledge and experience to interpret the results so as to identify the best possible investment managers. The job doesn’t stop there. It is equally important to monitor the manager continuously so that you know how to respond to events that inevitably occur: under-performance - is it unexpected or simply because the manager’s style is out of favour? How will a change in personnel affect the manager’s philosophy and possibly his performance?

In our experience, most investors do not have the time, knowledge, skill or resources to conduct the necessary manager research to become successful in manager selection and monitoring. This is why we have retained NTGA to help us make sure you have access to the best investment management talent available and to monitor and evaluate the contribution that the managers are making to achieving your goals.

For more information on NTGA please click here:
Northern Trust

The Ritcey Team at ScotiaMcLeod makes use of independent world-class money managers within the Pinnacle Program. For profiles of these managers, please click below:

Fixed Income Managers:
Scotia Cassels Investment Counsel – Short Term Income
Fiera Capital Inc – Income
Guardian Capital – High Yield Income
Logan Circle Partners – American Core-Plus Bond

Real Estate Manager:
Citigroup Alternative Investments – Global Real Estate

Balanced Managers:
Connor, Clark and Lunn – Strategic Balanced

Canadian Equity Managers:
BonaVista Asset Management – Canadian Value Equity
Montrusco Bolton – Canadian Mid Cap Value Equity
Aurion Capital Management – Canadian Growth Equity
Mawer Investment Management – Canadian Small Cap Growth Equity

U.S. Equity Managers:
Metropolitan West Capital Management – American Value Equity
Integrity Asset Management – American Mid Cap Value Equity
American Century Investment Management – American Large Cap Growth Equity
TCW Investment Management – American Mid Cap Growth Equity

Global & International Equity Managers:
Munder Capital - Int. Small/Mid Cap Value Equity
Harding, Loevner Management – Global Equity
Wellington Management Company – International Equity