Our Bright Future Panel: Robert Frances, PEAK Financial Group Andy Mitchell, SEI Canada David Scandiffio, Industrial Alliance Moderator: Dave Paterson, D.A Paterson & Associates Inc. Our Bright Future

Key factors affecting the Supply and Demand for advice going forward Demographics Regulation Competition and/or consolidation

Issues affecting the Demand for Advice Aging Demographics – 65+ is fastest growing segment – Retirement planning – critical for next 2 decades – product, advice, education – Succession, estate planning Growth in HNW segment – $500K+ fastest growing segment (majority don’t have plans!) – Larger accounts = demand for HNW pricing options Technology / access to information – Growing DIY segment? Threat or opportunity?

Factors affecting the Supply of Advice Aging Demographic of advisors – Sourcing replacements for aging advisors? – Succession planning; financing the next generation Industry consolidation – Fewer independents, more integrated providers – Opportunities for niche providers to differentiate? Regulatory trends – Transparency of fees = articulate VoA, new models? – Converging registrations / increased use of referrals?

Where do you see the greatest areas of opportunity for your firm?

Thank You !