A Structured Six-Step Method
1. Thorough Discovery and Exploration
We clarify your needs, dreams, aspirations, and constraints (tax, legal, liquidity), as well as your time horizon and risk tolerance. We map out your assets (financial, real estate, private), liabilities, cash flows, structures (corporations, trusts), and multi-generational considerations.
2. Integrated Plan to Achieve Your Goals
We develop a clear action plan that connects your objectives to concrete decisions, covering key pillars:
- Liquidity and credit
- Real estate projects
- Tax planning and optimization (with industry professionals to maximize efficiency)
- Insurance (protection, liquidity, continuity)
- Retirement planning (accumulation and withdrawal strategies)
- Estate and trust planning
- Philanthropy
3. Disciplined Investment Strategy
Asset allocation and strategic/tactical distribution are defined across asset classes.
Investment selection is aligned with your risk tolerance and capacity.
Managed solutions and products are chosen based on quality, cost, and tax criteria, with clear guidance provided throughout the process.
A robust risk management framework is implemented to protect your portfolio.
4. Seamless implementation with CIBC partners and specialists
Our products and services
5. Ongoing Monitoring, Rebalancing, and Adjustments
We track performance and deviations relative to your profile and plan. We recommend rebalancing and tax optimization (asset location, gain/loss management). We adapt the plan to life changes (birth, separation, inheritance, business sale, change of residence, etc.) to ensure alignment with your goals.
6. Governance, Reporting, and Communication
A review schedule adapted to your needs is established, with all decisions carefully documented. Clear deliverables are provided, including consolidated wealth statements, continuous online access, and a comprehensive tax and liquidity plan. Proactive communication is maintained to ensure clarity and discipline throughout the entire investment period.
