[On screen: Rahul Arora, Investment Advisor. Rahul with a medium complexion, short black hair, and a full beard is present against an office backdrop. He wears a dark blue checkered suit with a white shirt and is mid-speech. Behind him, an office environment is visible with a white shelf to his left, holding a small plant and a few books. To his right, there is a sleek black cabinet, and atop it sits a small globe. Large windows reveal a cityscape in the distance, suggesting a high-rise building. ]

 

[soft background music]

 

RAHUL ARORA: Your golden years should be exactly that, golden, and the last thing you want is to be disrupted by financial turbulence. There's a lot to think about when planning for retirement, and one area that many Canadians overlook is the cost of healthcare.

In fact, only 9% of Canadians have fully factored in healthcare cost into their retirement plan. While all Canadian citizens have equal access to the coverage for any necessary medical treatments under our healthcare system, there can be many unforeseen long-term costs.

The cost of healthcare has been rising faster than inflation, a trend that is expected to continue. Canadians may also be surprised to learn that our two-tiered system for long-term care means seniors could face year-long wait time to enter publicly-funded facilities. While nursing home care, the largest expense for those over the age of 85 is only covered for those with acute illness.

Being unprepared for these expenses may leave you dipping into your retirement income. Together, we can help you address these issues. Having a well-thought-out financial plan is the first step to achieving your perfect retirement.

 

[On screen: "CIBC PRIVATE WEALTH"

To the right:

"RAHUL ARORA

INVESTMENT ADVISOR

CIBC WOOD GUNDY"

Below the banner, the following text is centered:

"403 476-0164

rahul.arora@cibc.com

www.cibcwg.com/rahul-arora"

At the bottom of the slide, there's a disclaimer in smaller font:

"CIBC Private Wealth Management consists of services provided by CIBC and certain of its subsidiaries, including CIBC Wood Gundy, a division of CIBC World Markets Inc. Insurance “services are available through CIBC Wood Gundy Financial Services Inc. In Quebec, insurance services are available through CIBC Wood Gundy Financial Services (Quebec) Inc. “CIBC Private Wealth Management" is a registered trademark of CIBC, used under license. "Wood Gundy" is a registered trademark of CIBC World Markets Inc. Clients are advised to seek advice regarding their particular circumstances from their personal tax and legal advisors." ]

[On screen: Rahul Arora, Investment Advisor. Rahul with a medium complexion, short black hair, and a full beard is present against an office backdrop. He wears a dark blue checkered suit with a white shirt and is mid-speech. Behind him, an office environment is visible with a white shelf to his left, holding a small plant and a few books. To his right, there is a sleek black cabinet, and atop it sits a small globe. Large windows reveal a cityscape in the distance, suggesting a high-rise building. ]

 

RAHUL ARORA: When you buy an investment, you acquire something that may change it in the value over time. However, there are ways to influence, if not control how your investments perform through various portfolio management techniques. Today I'm sharing some core concepts related to portfolio management that underlie an effective strategy regardless of your personal circumstances.

 

First one is asset allocation. It is how your investments portfolio is structured by investment types, duration, amounts, et cetera. Selecting the right allocation of an asset and adjusting them to changing conditions can put you on the right path to meeting your financial goals. It is also an important strategy for reducing risk.

Next is diversification. It is choosing a variety of investment vehicles with different performance characteristics to achieve a better overall return. Diversification reduces fluctuations in the value of individual investments. Next is managing risk. Managing risk means more than just avoiding an investment loss. It also means outpacing inflation and being able to capture possible gains. Risk arises from different factors, some controllable, some not, but risk can be managed.

Lastly, managing rewards. With rewards come responsibilities and obligations. For example, realizing positive returns usually results in obligations to pay taxes. However, not all investments are taxed alike. Some get preferential treatment. Also, a loss in one investments may offset a gain from another. Contact me today to learn how these and other strategies can apply to your investments, and how you can make the most of them. Thank you.

 

[music]

 

[On screen: "CIBC PRIVATE WEALTH MANAGEMENT"

To the right:

"CIBC WOOD GUNDY

RAHUL ARORA

INVESTMENT ADVISOR"

Below the banner, the following text is centered:

"www.cibcwg.com/rahul-arora

403 476-0164

rahul.arora@cibc.com"

At the bottom of the slide, there's a disclaimer in smaller font:

"CIBC Private Wealth Management consists of services provided by CIBC and certain of its subsidiaries, including CIBC Wood Gundy, a division of CIBC World Markets Inc. "CIBC Private Wealth Management" is a registered trademark of CIBC, used under license. "Wood Gundy" is a registered trademark of CIBC World Markets Inc. Clients are advised to seek advice regarding their particular circumstances from their personal tax and legal advisors. If you are currently a CIBC Wood Gundy client, please contact your Investment Advisor." ]

[On screen: Rahul Arora, Investment Advisor. Rahul with a medium complexion, short black hair, and a full beard is present against an office backdrop. He wears a dark blue checkered suit with a white shirt and is mid-speech. Behind him, an office environment is visible with a white shelf to his left, holding a small plant and a few books. To his right, there is a sleek black cabinet, and atop it sits a small globe. Large windows reveal a cityscape in the distance, suggesting a high-rise building. ]

 

[soft background music]

 

RAHUL ARORA: People invest for different reasons with different goals and different motivations. Something for the short term while others for the long. Some may be planning for retirement or are seeking to preserve their assets in retirement. Many parents want to provide their kids with post-secondary education, others are simply interested in growing their assets. Who doesn't want to minimize taxes? Having a strategy is key to achieving the outcome you want for your investments.

You could take an ad hoc approach, making decisions on the fly, but having a plan can be more effective for achieving your goals. The question remains, do you want to do it alone or do you want to get expertise on your side to help you devise an investment strategy that can work for you no matter what you are investing for?

 

[music]

 

[On screen: "CIBC PRIVATE WEALTH MANAGEMENT"

To the right:

"CIBC WOOD GUNDY

RAHUL ARORA

INVESTMENT ADVISOR"

Below the banner, the following text is centered:

"www.cibcwg.com/rahul-arora

403 476-0164

rahul.arora@cibc.com"

At the bottom of the slide, there's a disclaimer in smaller font:

"CIBC Private Wealth Management consists of services provided by CIBC and certain of its subsidiaries, including CIBC Wood Gundy, a division of CIBC World Markets Inc. "CIBC Private Wealth Management" is a registered trademark of CIBC, used under license. "Wood Gundy" is a registered trademark of CIBC World Markets Inc. Clients are advised to seek advice regarding their particular circumstances from their personal tax and legal advisors. If you are currently a CIBC Wood Gundy client, please contact your Investment Advisor." ]

[On screen: Rahul Arora, Investment Advisor. Rahul with a medium complexion, short black hair, and a full beard is present against an office backdrop. He wears a dark blue checkered suit with a white shirt and is mid-speech. Behind him, an office environment is visible with a white shelf to his left, holding a small plant and a few books. To his right, there is a sleek black cabinet, and atop it sits a small globe. Large windows reveal a cityscape in the distance, suggesting a high-rise building. ]

 

[soft background music]

 

RAHUL ARORA: Understanding investing and financial planning basics will help you organize your financial life and manage your evolving financial needs. The keys to understanding financial planning concepts are recognizing where you are today, identifying where you want to go, and determining how to get there.

By establishing goals and gaining a basic understanding of concepts such as asset allocation, diversification, risk, stock market behavior, and long-term planning, I work directly with my clients to develop investment solutions that help them increase their wealth and protect their capital. For more information, please visit my website or call me at 403-476-0164. Thank you.

 

[On screen: "CIBC PRIVATE WEALTH MANAGEMENT"

To the right:

"CIBC WOOD GUNDY

RAHUL ARORA

INVESTMENT ADVISOR"

Below the banner, the following text is centered:

"www.cibcwg.com/rahul-arora

403 476-0164

rahul.arora@cibc.com"

At the bottom of the slide, there's a disclaimer in smaller font:

"CIBC Private Wealth Management consists of services provided by CIBC and certain of its subsidiaries, including CIBC Wood Gundy, a division of CIBC World Markets Inc. "CIBC Private Wealth Management" is a registered trademark of CIBC, used under license. "Wood Gundy" is a registered trademark of CIBC World Markets Inc. Clients are advised to seek advice regarding their particular circumstances from their personal tax and legal advisors. If you are currently a CIBC Wood Gundy client, please contact your Investment Advisor." ]

[On screen: Rahul Arora, Investment Advisor. Rahul with a medium complexion, short black hair, and a full beard is present against an office backdrop. He wears a dark blue checkered suit with a white shirt and is mid-speech. Behind him, an office environment is visible with a white shelf to his left, holding a small plant and a few books. To his right, there is a sleek black cabinet, and atop it sits a small globe. Large windows reveal a cityscape in the distance, suggesting a high-rise building. ]

 

[soft background music]

 

RAHUL ARORA: One of the most common goals of any investment plan is to adequately prepare you for retirement. There's no cookie-cutter solutions. Everyone has different retirement goals, but there are two factors that will give every investor an advantage in retirement planning game. The first is to start early. The earlier you begin saving, the more likely you will have financial support you need when it's time to retire.

The second is to get the help of an expert to build your plan and select the investments that fit your retirement needs and timeline. As your investment advisor, I can help you with all your retirement planning needs. For more information, please visit my website or call me at 403-476-0164. Thank you.

 

[On screen: "CIBC PRIVATE WEALTH MANAGEMENT"

To the right:

"CIBC WOOD GUNDY

RAHUL ARORA

INVESTMENT ADVISOR"

Below the banner, the following text is centered:

"www.cibcwg.com/rahul-arora

403 476-0164

rahul.arora@cibc.com"

At the bottom of the slide, there's a disclaimer in smaller font:

"CIBC Private Wealth Management consists of services provided by CIBC and certain of its subsidiaries, including CIBC Wood Gundy, a division of CIBC World Markets Inc. "CIBC Private Wealth Management" is a registered trademark of CIBC, used under license. "Wood Gundy" is a registered trademark of CIBC World Markets Inc. Clients are advised to seek advice regarding their particular circumstances from their personal tax and legal advisors. If you are currently a CIBC Wood Gundy client, please contact your Investment Advisor." ]

[On screen: Rahul Arora, Investment Advisor. Rahul is positioned centrally, with a composed expression and mid-speech, standing behind a glass balustrade. He wears a dark checkered suit over a white shirt, and his black hair and beard are well-groomed. In the background, an opulent office lobby is adorned with vertical light fixtures that cascade from the high ceiling, creating a bright and modern atmosphere. The architecture boasts reflective surfaces, glass railings, and a sleek design aesthetic. To his left, the area opens up to a spacious atrium with more of the striking light fixtures. The CIBC Private Wealth Management logo is present in the upper left corner. ]

 

[soft background music]

 

RAHUL ARORA: Earning a reasonable return on your money is more than just a matter of investing in the right securities. How an investment is taxed can have a big impact on bottom-line profitability. Recognizing the tax implications of your investment decisions may help you maximize your after-tax investment returns. Outside of an RRSP and TFSA, you are taxed differently on investment earnings depending on the type of returns, which could be interest, dividends, or capital gains.

For the most part, capital gains and dividends are taxed more favorably than interest. The rates at which these are taxed depend on your province of residence and level of income. As your investment advisor, I will help ensure your portfolio is well-positioned from a taxation standpoint. For more information, please visit my website or call me at 403-476-0164. Thank you.

 

[On screen: "CIBC PRIVATE WEALTH MANAGEMENT"

To the right:

"CIBC WOOD GUNDY

RAHUL ARORA

INVESTMENT ADVISOR"

Below the banner, the following text is centered:

"www.cibcwg.com/rahul-arora

403 476-0164

rahul.arora@cibc.com"

At the bottom of the slide, there's a disclaimer in smaller font:

"CIBC Private Wealth Management consists of services provided by CIBC and certain of its subsidiaries, including CIBC Wood Gundy, a division of CIBC World Markets Inc. "CIBC Private Wealth Management" is a registered trademark of CIBC, used under license. "Wood Gundy" is a registered trademark of CIBC World Markets Inc. Clients are advised to seek advice regarding their particular circumstances from their personal tax and legal advisors. If you are currently a CIBC Wood Gundy client, please contact your Investment Advisor." ]

[On screen: Rahul Arora, Investment Advisor. Rahul stands in the foreground, dressed in a sharp royal blue suit with a white shirt and no tie. His black hair is styled neatly, and he sports a trimmed beard, complementing his medium complexion. The background features a modern office lobby with birch trees in planters, adding a touch of greenery. A plush seating area is visible to the left, behind a glass partition, and to the right, there's a bright blue wall with matching doors, likely leading to office spaces. ]

 

[soft background music]

 

RAHUL ARORA: The COVID-19 pandemic has hit many families unexpectedly across globe. The three things that people have been worrying about is their health, family, and finances. In many ways, that is what making this pandemic so hard to handle. As we witnessed the impact of COVID-19 on both physical and financial health, there's a sense of urgency to plan for unthinkable. Today I will share some questions that may be uncomfortable for some but are very important, so let's get this started.

First one is, who will make decisions about my family, finances, and health if I fall sick? Second is, who will care for my children if I'm unable to do so? Third one is, how do I want my assets to be distributed if I suddenly pass away? Fourth is, how should I communicate my wishes? The last one is, are my loved ones prepared to be agents who might have to act on my behalf? If you need help with answering any of those questions don't hesitate to call me at 403-476-0164 or visit my website mentioned in the description. Thank you.

 

[On screen: "CIBC PRIVATE WEALTH MANAGEMENT"

To the right:

"CIBC WOOD GUNDY

RAHUL ARORA

INVESTMENT ADVISOR"

Below the banner, the following text is centered:

"www.cibcwg.com/rahul-arora

403 476-0164

rahul.arora@cibc.com"

At the bottom of the slide, there's a disclaimer in smaller font:

"CIBC Private Wealth Management consists of services provided by CIBC and certain of its subsidiaries, including CIBC Wood Gundy, a division of CIBC World Markets Inc. "CIBC Private Wealth Management" is a registered trademark of CIBC, used under license. "Wood Gundy" is a registered trademark of CIBC World Markets Inc. Clients are advised to seek advice regarding their particular circumstances from their personal tax and legal advisors. If you are currently a CIBC Wood Gundy client, please contact your Investment Advisor." ]