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[On screen: A sweeping view of a modern cityscape with a variety of skyscrapers under a clear blue sky. In the distance, a wide river and a far-off mountain range are faintly visible. Quick transition to a close-up of a metallic bull figurine, depicted in mid-stride with horns tilted forward, showcasing fine details and a shiny surface that reflects the surrounding light. Slow revealed is a framed photograph sits on a wooden surface, capturing a joyful moment where a smiling man wearing glasses embraces a laughing baby, both peering over a computer keyboard. Moving upward on the wall, an action-filled snapshot within a framed photo depicts two boxers engaged in a match, wearing protective gear and gloves, with one in red and the other in black, inside a boxing ring with red ropes. ]

 

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[On screen: Richard Lapointe, Investment Advisor at CIBC Wood Gundy. A bald man with a contemplative expression, clad in a dark suit, crisp white shirt, and a blue tie with a matching pocket square. Behind him, a collection of framed awards is displayed on a shelf, showcasing his professional achievements. The office setting is complemented by a backdrop of a cityscape visible through the window. ]

 

RICHARD LAPOINTE: Most people enter retirement feeling uncomfortable. They don't feel they have enough money. My goal is to make sure that they feel comfortable in their retirement. I'm Richard Lapointe, investment advisor and portfolio manager with CIBC Wood Gundy. Started in 1990 as an investment advisor at the age of 22. I've only done one job. This is what I have a passion for.

 

[On screen: Giancarlo Cataldo, Associate Investment Advisor at CIBC Wood Gundy. A man with short brown hair and a neatly trimmed beard, wearing glasses, a black suit, white shirt, and a dark tie. Behind him, the interior of an office with a series of framed awards on a shelf is visible, alongside a blurred backdrop of high-rise buildings seen through the window, suggesting a busy urban environment. ]

 

GIANCARLO CATALDO: You're helping people. People have a sincere need for this. They depend on this and you get to service them. The fact that I'm able to do that is what keeps me going. My name is Giancarlo Cataldo, I'm an associate investment advisor with CIBC Wood Gundy.

 

[On screen: Several images in quick succession depicting professionals in a dynamic financial work environment. The imagery showcases individuals in business attire—men in suits and ties—engaged in various activities. They are seen conversing with colleagues, focused on computer screens filled with financial data, or deep in concentration over paperwork, indicating the fast-paced and information-rich atmosphere of their profession. The setting includes personal workspaces with office paraphernalia, open-plan desks, and the backdrop of a cityscape through the windows. ]

 

RICHARD: We're covered call writers. We use options in the safest possible mandate to generate an extra stream of income. Our goal is to make sure your money spits off more every month. Every time we buy a stock, it pays a dividend. That dividend comes in every three months. We generate a second three-month stream of income by writing a call option, which means that we cap the upside of the stock for that extra stream of money that comes in. You've got the dividend, the call premium, and the potential growth on the stock. We believe covered call writing takes away the one great problem clients have with investments, when to sell.

Taking away that emotion on the sale, takes away 90% of the problems of investing. We think this is the best way for money to be managed at a retail level. Very few investment advisors choose to do it this way. We're very hands-on and we're very yield-oriented. It's incredibly transparent, incredibly communicative. We profess to always be reachable. When you call my office, a human body will answer, regardless of the time of the day. We forward our phones to our cell phones so you are in constant communication with us. We've got three major partners that we deal with inside of CIBC that we're very, very close with private banking.

I've got great relationships in private banking, banking relationships that can allow for clients to not only look at the investment needs, but the borrowing needs. We've also joined in CIBC Trust as I use it for my own estate, my own management, should I pass away, it takes away the conflict upon death.

 

[On screen: A prominent red CIBC logo stands in the foreground, mounted on a cubic base, with the letters in bold white font accentuated by silver trim. This sign is situated on a pedestrian plaza in an urban setting, flanked by modern high-rise buildings, including one with the Deloitte logo. The area is sparsely populated with individuals walking by. ]

 

RICHARD: We've been doing a lot of work on estate planning, covering insurance and tax needs upon death, they've become essential to helping clients preserve the wealth that Giancarlo and I are building.

 

[Text on screen: CIBC Private Wealth 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" is a trademark of CIBC, used under license. "Wood Gundy" is a registered trademark of CIBC World Markets Inc. ]