Investing and wealth management

Identifying your unique financial goals and objectives begins with understanding you. Through a series of meetings and frank discussions, which may include your family or your other advisors, such as your account or lawyer, Gary will gain a thorough understanding of your current situation as well as your financial goals. The information gathered during this part of the process forms the foundation of a unique investment strategy for now and years to come.

Determining your optimal asset mix begins with reviewing your existing strategy, portfolio and financial goals. A comprehensive series of questions helps us identify your expected and required returns and acceptable levels of variation, all of which are uniquely and specifically tailored directly to you. This information will continually help us to benchmark the effectiveness of your strategy as we move forward.

Solutions that work for you are created with the objective of minimizing risk levels through appropriate diversification based on your personal objectives, risk tolerance, income needs and tax requirements. Your portfolio can be designed using one or a combination of the following: discretionary investment managers, individual stocks, bond and other securities, pooled fund structures, individual investment managers and proprietary funds.

Keeping you informed in a clear and timely manner is something we are very proud of. Through our detailed monthly reporting, quarterly performance summaries and comprehensive tax packages, our goal is to provide you with clear, concise and timely reporting. We are fully prepared and capable of generating specific reports reflecting fiscal year-ends or aiding in more granular analysis as needed.

Enhancing Success Beyond Your Investment Portfolio

Investment success goes well beyond the design and implementation of an investment portfolio. It expands to include a detailed wealth management strategy encompassing many if not all of the following:

Retirement planning
Protecting your assets and income
Tax-effective investing
Wealth and estate planning
CIBC partners for banking and credit management
Charitable giving
Education funding
Business succession planning

Through the vast resources of CIBC Wood Gundy and the extensive scope of our partners throughout the CIBC group of companies, Gary and his team are fully prepared to offer a level of service to meet your investment and financial goals, always working within his guiding principles of trust, performance, integrity and expertise.

ADDITIONAL INFO

PROTECTING THE FUTURE OF YOUR GROWING BUSINESS

Establishing a business and making it a success is not easy. Transitioning out of that business can be even more difficult. But, the decision to retire or move away from day-to-day management is one of the most important decisions you will make. A business transition plan is the first step in securing the future of your business and ensuring that your own personal retirement goals are met.

Creating a business transition plan can be a complex and lengthy process that requires a complete understanding of what you want your retirement to look like. It requires a team of experts who will work with you to successfully implement your plan.

I can work with your other trusted advisors (lawyer, accountant, CIBC business advisor or Commercial Banking Relationship Manager) to help keep your plan on track. Together, we will guide you through the complex transition process and keep your objectives front of mind.

A proper business transition plan will help you ensure the smooth transition of your company, provide you with financial security and protect everything you have worked so hard to achieve. Whatever the goal of your business transition plan, the key is to identify your financial objectives, start planning early and use the advice of a team of experts to ensure your company will continue to be successful.

Making A Difference With Charitable Giving
There are many benefits to charitable giving, from the satisfaction of giving back to the community and helping those in need, to the tax credits that can provide significant tax relief during your lifetime and minimize future taxes payable by your estate. Whatever your objective, choosing to support a charity is an important and personal decision that only you can make.

Today, charitable donations are no longer limited to cash donations once or twice a year. There are many different charitable giving options, including:

Donation of a life insurance policy
In-kind donation of stocks, bonds and other publicly listed securities
Donor Advised Funds

Each charitable giving option has its own advantages and tax implications, and it's important to understand the basic features of each so that you can choose the option that best suits your objectives and financial circumstances.

It is important to create a charitable giving strategy that balances your own financial situation with your philanthropic goals to help you make the most of your charitable dollars.