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CIBC Private Wealth, Wood Gundy CIBC Private Wealth, Wood Gundy

The Julé Group

  • Home
  • Our Team
  • Our Approach
    • Our System
    • Fee-based investment services
    • Advisor Managed Account
  • Market insights
  • Community
  • Blog
  • Contact us
 

Our System

Our System

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It's About YouWealth management wheel.

  • We will ask questions to help you identify and articulate your needs and goals.
  • We work with you to alleviate those worries that keep you awake at night.
  • Guide you through tough periods in the stock market and share perspective.
  • Act as a sounding board for you, your family & friends on ideas you are considering.
  • We will help keep you on track.
  • We will always put your best interests first.

 

Hands flipping through a booklet.

A Custom Financial Plan

  • We will help you make important financial-related decisions.
  • We help you organize and prioritize your financial priorities and goals.
  • We help determine your current financial situation.
  • Formalize realistic goals and put these in writing.
  • Make specific recommendations to help you meet your goals.
  • Establish a clear strategy and action plan.
  • Suggest creative alternatives to consider.
  • Monitor changes in your life and adjust the plan accordingly.

Wealth Management

  • We stay up to date on tax changes.
  • We help you reduce your taxes by taking advantage of registered accounts.     Richard and Stephanie looking at files.
  • We will assist in your will and estate, retirement and business succession plans.
  • We help you transfer wealth efficiently to the next generation.
  • We will identify any savings shortfalls and develop and monitor a strategy for debt reduction.
  • We work with your tax and legal advisors to facilitate and coordinate your complete financial picture.
  • We review and if beneficial, may recommend life insurance to protect you and your family.

 

 

 

 

The Jule Group huddled around a table.

Customized Investment Management

  • We prepare an Investment Policy Statement for you.
  • We prepare an asset allocation strategy to diversify your investments based on your risk tolerance.
  • We perform due diligence on money managers to ensure appropriate investment recommendations.
  • We stay up to date on changes in the investment industry.
  • We review and re-balance your portfolio as conditions or goals change.
  • We explore and review income-splitting and tax-minimization strategies with you.
  • We will recommend and complete appropriate tax-loss selling solutions.
  • We reposition investments to take full advantage of tax rules.

 

Educate

  • We provide full disclosure and transparency on fees and processes.     Richard Jule.
  • Provide referrals to and liaising with other professionals such as accountants, actuaries, lawyers and tax specialists.    
  • Help educate your children and grandchildren about investments and financial concepts.
  • provide customized and personal financial information on retirement and other financial topics.  
  • We listen to your questions and provide advice to help you reach your goals

 

A couple looking at an estate plan with their investment advisor

ESTATE PLANNING

An estate plan helps ensure a smooth wealth transition to your family. We advise on issues like minimizing taxes, reducing market risk impact and potential family disputes—now and when your estate is settled.

A group of people in business attire discussing with an investment advisor

BUSINESS TRANSITION PLANNING

A formal business transition plan helps determine how, when and to whom you’ll transfer your business. A plan also helps preserve your company’s value as it accounts for tax planning, preparing for a potential sale and any unforeseen events. Our expert team helps you understand your options and identify an effective strategy.

A group of people planting a tree

CHARITABLE GIVING

Charitable giving positively impacts causes that matter to you. You can gift cash, securities, or the proceeds of a life insurance policy. It also helps reduce your tax liabilities. We assist with all your philanthropic needs through the CIBC Wood Gundy Giving Back Program or a Private Charitable Foundation. For more information on the CIBC Giving Back Program:

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CIBC Private Wealth consists of services provided by CIBC and certain of its subsidiaries: CIBC Private Banking; CIBC Private Investment Counsel, a division of CIBC Asset Management Inc. (“CAM”); CIBC Trust Corporation; and CIBC Wood Gundy, a division of CIBC World Markets Inc. (“WMI”). CIBC Private Banking provides solutions from CIBC Investor Services Inc.(“ISI”), CAM and credit products. Insurance services are only available through CIBC Wood Gundy Financial Services Inc. In Quebec, insurance services are only available through CIBC Wood Gundy Financial Services (Quebec) Inc.


CIBC Private Wealth services are available to qualified individuals. The CIBC logo and “CIBC Private Wealth” are trademarks of CIBC, used under license.