Balsamo Financial Group

In this current, ever dynamic investment world, valuable advice and trust is more important than ever. Creating peace of mind and minimizing risk are two tenets that are emphasized with all of our clients.

As members of your professional advisory team, we will coordinate the financial planning process for you. We will help you identify your goals and work with you to implement strategies that will help you realize your vision for the future. We can recommend a wide range of investment strategies through objective advice.

The combination of our experience and professionalism, together with the strength of one of the largest and most respected firms in the financial industry, ensures our clients the highest level of trusted advice to help build a secure financial future.

We will be your strategic partner in providing not only investment advice but also guidance on a wide range of sophisticated financial issues that can impact you through your different life stages. Depending on your life stage your wealth management needs can become more complex and we can assist you with helping your family grow and protect their wealth and also transfer it to future generations.

[music]

[On screen: Four business people are in discussion around a table in an office.]

[On screen: Joseph Balsamo. Vice-President, Portfolio Manager. CIBC Wood Gundy. ]

JOSEPH BALSAMO: I started with CIBC Wood Gundy in 2005, after seven years on the banking side with private wealth management.

[On screen: Mr. Balsamo walks down the hall and hands a folder to a woman sitting a desk. In a different office, Mr. Balsamo stands next to another man as they look at the computer monitor.]

JOSEPH: Lydia and I have been working together for over 10 years now, but in 2014, I felt that it was important to expand the team in order to keep our service levels high and really to focus on financial planning, and I focus more on the portfolio management side. Ravish came on board in 2014 to really focus on that part of our client relationship structure.

[On screen: Ravish Mitra. Associate Investment Advisor. CIBC Wood Gundy.]

RAVISH MITRA: We spend a substantial amount of our time getting to know our clients and assessing their current financial situation, so we can create a customized plan for them. The reason we do this is so that we can help clients get from where they are today to where they want to be in the future, in retirement and beyond, ultimately giving them the peace of mind they're looking for.

JOSEPH: We had another team member, Justin Boswick. He handles more client

communication, social media, portfolio construction. Overall, we're all very focused on our client relationships.

[On screen: The name "Justin Boswick" appears on a label attached to a cubicle. In the background a man is working on his computer. Now in focus on screen, Justin Boskwick. Associate Investiment Advisor. CIBC Woody Gundy.]

JUSTIN BOSWICK: Our relationship with our clients is a two-way street to us. Not only is it important for our team to be the right fit for the client, but also the client needs to be the right fit for our team.

[On screen: An image of the team working around the table again.]

JUSTIN: If we can foster a collaborative relationship with our clients, then we can be more effective in assisting them with growing their wealth and making the correct strategic planning decisions going forward.

[On screen: Mr. Balsamo working at a computer.]

JOSEPH: We really customize our clients' strategies. That's really focused on their needs and their long-term objectives. It's really not about selling them a product. We always say the product is the byproduct of the plan. Let's figure out what you want to achieve, and then we build a portfolio around that, build strategies around that to make sure it's a success over the long term. I started in the business as a teller, in my university days, and interacting with clients really helped me understand that money was important to them, and it was a very emotional topic.

Every day, when I meet with clients and prospective clients, that really gives me a lot of energy, and it's very rewarding to see them achieve their goals and pass along wealth to the next generation, and really help them along the way.

[music]

[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.

The CIBC logo and 'CIBC Private Wealth' are trademarks of CIBC, used under license. 'Wood Gundy' is a registered trademark of CIBC World Markets Inc." ]