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Scott Heck, Financial Advisor at RBC Wealth Management

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Scott Heck, Financial Advisor at RBC Wealth Management

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Building relationships into life-long partnerships. Please visit http://www.rbcwealthmanagement.com/us/en/legal for important disclosure information.

Investment and insurance products offered through RBC Wealth Management are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested. RBC Wealth Management, a division of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC.

11/02/2026

Are you a caregiver for someone you love? If so, would you know if they are approaching their first required minimum distribution (RMD)?

Navigating RMDs for an aging parent or family member can feel like a lot. But there are options that make it manageable.

We have savings options that offer a reliable home for those funds. And keeping assets within the RBC Wealth Management ecosystem means your loved one's financial advisor maintains a complete view of their wealth plan. You do not have to figure this out alone.

Reach out and let's talk through your family's options.

10/31/2026

Happy Halloween!

Wishing you and your loved ones a night full of treats, good company and plenty of festive fun!

10/28/2026

Did you know most of America’s large companies never ring the opening bell at the New York Stock Exchange? Alternative investments can open doors to private opportunities that would otherwise remain closed. Explore if alts are a fit for your portfolio.

𝘐𝘯𝘷𝘦𝘴𝘵𝘪𝘯𝘨 𝘪𝘯 𝘢𝘭𝘵𝘦𝘳𝘯𝘢𝘵𝘪𝘷𝘦 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵𝘴 𝘮𝘢𝘺 𝘣𝘦 𝘴𝘱𝘦𝘤𝘶𝘭𝘢𝘵𝘪𝘷𝘦, 𝘪𝘭𝘭𝘪𝘲𝘶𝘪𝘥, 𝘢𝘯𝘥 𝘯𝘰𝘵 𝘴𝘶𝘪𝘵𝘢𝘣𝘭𝘦 𝘧𝘰𝘳 𝘢𝘭𝘭 𝘤𝘭𝘪𝘦𝘯𝘵𝘴. 𝘛𝘩𝘦𝘺 𝘢𝘳𝘦 𝘪𝘯𝘵𝘦𝘯𝘥𝘦𝘥 𝘧𝘰𝘳 𝘪𝘯𝘷𝘦𝘴𝘵𝘰𝘳𝘴 𝘸𝘩𝘰 𝘮𝘦𝘦𝘵 𝘤𝘦𝘳𝘵𝘢𝘪𝘯 𝘤𝘳𝘪𝘵𝘦𝘳𝘪𝘢 𝘢𝘯𝘥 𝘢𝘳𝘦 𝘸𝘪𝘭𝘭𝘪𝘯𝘨 𝘢𝘯𝘥 𝘢𝘣𝘭𝘦 𝘵𝘰 𝘣𝘦𝘢𝘳 𝘵𝘩𝘦 𝘶𝘯𝘪𝘲𝘶𝘦 𝘦𝘤𝘰𝘯𝘰𝘮𝘪𝘤 𝘳𝘪𝘴𝘬𝘴 𝘰𝘧 𝘵𝘩𝘦 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵. 𝘐𝘯𝘷𝘦𝘴𝘵𝘰𝘳𝘴 𝘴𝘩𝘰𝘶𝘭𝘥 𝘤𝘰𝘯𝘴𝘪𝘥𝘦𝘳 𝘸𝘩𝘦𝘵𝘩𝘦𝘳 𝘴𝘶𝘤𝘩 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵𝘴 𝘢𝘳𝘦 𝘴𝘶𝘪𝘵𝘢𝘣𝘭𝘦 𝘪𝘯 𝘵𝘩𝘦 𝘭𝘪𝘨𝘩𝘵 𝘰𝘧 𝘵𝘩𝘦𝘪𝘳 𝘪𝘯𝘥𝘪𝘷𝘪𝘥𝘶𝘢𝘭 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘴𝘪𝘵𝘶𝘢𝘵𝘪𝘰𝘯. 𝘈𝘭𝘵𝘦𝘳𝘯𝘢𝘵𝘪𝘷𝘦 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘧𝘶𝘯𝘥𝘴 𝘢𝘳𝘦 𝘴𝘰𝘭𝘥 𝘰𝘯𝘭𝘺 𝘵𝘰 𝘲𝘶𝘢𝘭𝘪𝘧𝘪𝘦𝘥 𝘪𝘯𝘷𝘦𝘴𝘵𝘰𝘳𝘴, 𝘢𝘯𝘥 𝘰𝘯𝘭𝘺 𝘣𝘺 𝘮𝘦𝘢𝘯𝘴 𝘰𝘧 𝘰𝘧𝘧𝘦𝘳𝘪𝘯𝘨 𝘥𝘰𝘤𝘶𝘮𝘦𝘯𝘵𝘴 𝘵𝘩𝘢𝘵 𝘪𝘯𝘤𝘭𝘶𝘥𝘦 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘢𝘣𝘰𝘶𝘵 𝘵𝘩𝘦 𝘳𝘪𝘴𝘬𝘴, 𝘱𝘦𝘳𝘧𝘰𝘳𝘮𝘢𝘯𝘤𝘦, 𝘢𝘯𝘥 𝘦𝘹𝘱𝘦𝘯𝘴𝘦𝘴 𝘰𝘧 𝘵𝘩𝘦 𝘍𝘶𝘯𝘥𝘴, 𝘢𝘭𝘰𝘯𝘨 𝘸𝘪𝘵𝘩 𝘰𝘵𝘩𝘦𝘳 𝘪𝘮𝘱𝘰𝘳𝘵𝘢𝘯𝘵 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯. 𝘈𝘯 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘪𝘯 𝘢𝘭𝘵𝘦𝘳𝘯𝘢𝘵𝘪𝘷𝘦 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘧𝘶𝘯𝘥𝘴 𝘪𝘴 𝘴𝘱𝘦𝘤𝘶𝘭𝘢𝘵𝘪𝘷𝘦 𝘢𝘯𝘥 𝘪𝘯𝘷𝘰𝘭𝘷𝘦𝘴 𝘴𝘪𝘨𝘯𝘪𝘧𝘪𝘤𝘢𝘯𝘵 𝘳𝘪𝘴𝘬𝘴.

10/27/2026

There are tradeoffs to consider when deciding whether to use available cash, sell securities or borrow to fund a purchase. Keeping an open mind and evaluating all the options is key to choosing the right strategy for you.

Read our full analysis for more factors to consider and reach out to your RBC Wealth Management financial advisor to explore strategies for funding your next opportunity.

https://bit.ly/3VZyxnZ

𝘚𝘦𝘤𝘶𝘳𝘪𝘵𝘪𝘦𝘴-𝘣𝘢𝘴𝘦𝘥 𝘭𝘰𝘢𝘯𝘴 𝘪𝘯𝘷𝘰𝘭𝘷𝘦 𝘴𝘱𝘦𝘤𝘪𝘢𝘭 𝘳𝘪𝘴𝘬𝘴 𝘢𝘯𝘥 𝘢𝘳𝘦 𝘯𝘰𝘵 𝘴𝘶𝘪𝘵𝘢𝘣𝘭𝘦 𝘧𝘰𝘳 𝘦𝘷𝘦𝘳𝘺𝘰𝘯𝘦. 𝘠𝘰𝘶 𝘴𝘩𝘰𝘶𝘭𝘥 𝘳𝘦𝘷𝘪𝘦𝘸 𝘵𝘩𝘦 𝘱𝘳𝘰𝘷𝘪𝘴𝘪𝘰𝘯𝘴 𝘰𝘧 𝘢𝘯𝘺 𝘢𝘨𝘳𝘦𝘦𝘮𝘦𝘯𝘵 𝘢𝘯𝘥 𝘳𝘦𝘭𝘢𝘵𝘦𝘥 𝘥𝘪𝘴𝘤𝘭𝘰𝘴𝘶𝘳𝘦𝘴, 𝘢𝘯𝘥 𝘤𝘰𝘯𝘴𝘶𝘭𝘵 𝘸𝘪𝘵𝘩 𝘺𝘰𝘶𝘳 𝘰𝘸𝘯 𝘪𝘯𝘥𝘦𝘱𝘦𝘯𝘥𝘦𝘯𝘵 𝘵𝘢𝘹 𝘢𝘯𝘥 𝘭𝘦𝘨𝘢𝘭 𝘢𝘥𝘷𝘪𝘴𝘰𝘳𝘴 𝘢𝘣𝘰𝘶𝘵 𝘢𝘯𝘺 𝘲𝘶𝘦𝘴𝘵𝘪𝘰𝘯𝘴 𝘺𝘰𝘶 𝘩𝘢𝘷𝘦 𝘱𝘳𝘪𝘰𝘳 𝘵𝘰 𝘶𝘴𝘪𝘯𝘨 𝘴𝘦𝘤𝘶𝘳𝘪𝘵𝘪𝘦𝘴-𝘣𝘢𝘴𝘦𝘥 𝘭𝘰𝘢𝘯𝘴 𝘰𝘳 𝘭𝘪𝘯𝘦𝘴 𝘰𝘧 𝘤𝘳𝘦𝘥𝘪𝘵. 𝘈𝘥𝘥𝘪𝘵𝘪𝘰𝘯𝘢𝘭 𝘳𝘦𝘴𝘵𝘳𝘪𝘤𝘵𝘪𝘰𝘯𝘴 𝘮𝘢𝘺 𝘢𝘱𝘱𝘭𝘺.

10/26/2026

Global bond yields have hit fresh multidecade highs, but is this a warning sign or a healthy market recalibration? We explore the structural forces reshaping interest rates worldwide.

10/20/2026

Scammers are tapping into artificial intelligence and it's making their tricks harder to spot. The FBI reports that $893 million was stolen from Americans in complaints tied to AI. The good news? A little awareness goes a long way. Here are some simple, practical steps you can take to stay one step ahead

10/15/2026

A great caddie does not play the shot. They help the player focus on what matters most, block out the noise and trust the plan. At RBC Wealth Management, that is exactly what we do for our clients every single day.

RBC ambassador Shane Lowry captures the power of that kind of partnership better than anyone. Watch and see why the caddie-player relationship is one of the best analogies for what great advice looks like.

10/12/2026

Before you borrow, ask RBC Wealth Management.

The right opportunity shouldn’t require disrupting your investment strategy. For business acquisitions or buy-ins, RBC Wealth Management can provide strategic liquidity while allowing your portfolio to remain invested.

For a limited time, get promotional rates as low as 5.65% (5.73% APR) on new fixed-rate credit advances.

10/09/2026

Did you know cheering on your favorite team could cost more than you think? Passion for the game runs deep and so should your financial strategy. Schedule time to review your portfolio’s roster and make sure you’re positioned for a winning season.

10/08/2026

If you’re 73 or older, your required minimum distribution (RMD) is on the calendar! What are your plans for your distribution(s)?

1. Paying bills
2. Vacation fund
3. Gifting to family
4. Gifting to organizations that matter to you
5. Saving it in a safe place for now

Let us know below.

If you still aren't sure, we have savings options to keep your funds protected and earning a competitive yield.

No complicated enrollment. No new platforms. Just a simple next step for funds you have already earned.

Reach out and let's talk through your options.

Address

4207 28th Avenue S #200
Fargo, ND
58103

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Telephone

+15075362013

Website

http://www.jmsgrouprbc.com/

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