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

The Bernardi Financial Group

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  • About us
    • Our team
    • How we work
    • What to expect
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Process And Philosophy

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Process And Philosophy

Description: Image of a wheel outlining 4 steps that lead into each other step 1: Discuss goals, risk tolerance, cash needs step 2: Develop and implement portfolio recommendations step 3: Monitor investments step 4: Periodic review to discuss performance and update financial plan Repeat process as neededGOALS BASED INVESTING

We place great emphasis on getting to know our clients and their families in order to help establish and articulate a purpose for investing.

Once an objective is established, we create a customized investment strategy based on individual objectives, personal comfort levels and risk tolerance.

We place emphasis on investment returns and levels of risk that are required to achieve specific objectives, rather than compare to an arbitrary benchmark.

Description: Image of arrow pointing up and the right showing progression of investment strategy designed to allow clients to be patient Develop suitable investment allocation to create comfortability with investments which allows for patience aiming to produce high long-term returns PATIENCE IS REQUIRED

Investing is not easy. We aim to create an investment portfolio that helps reduce the impact of down periods of the stock markets. We believe a strategy that provides protection during negative market periods allows for greater patience to remain invested, and ultimately, earn higher long-term returns.

This is accomplished in three ways:

1. Determine a suitable allocation between safer investments and growth investments to achieve investment objectives without incurring risk beyond individual comfort levels

2. Create an investment portfolio that is diversified by asset class, geographically, sector and investment style

3. Periodically rebalancing portfolios to personal target investment allocations. This creates a natural effect of trimming investments that have increased the most (selling high) and adding to investments that have not (buying low)

FIXED INCOME STRATEGY

GROWTH STRATEGY

 

Our fixed income strategy is designed to be the stabilizing force in your portfolio. It is intended to provide a counter-balance to the unpredictability of the stock market by giving you a level of comfort knowing that a portion of your portfolio is held in guaranteed investments.

The following aspects are considered when creating the strategy:

Maximizing safety of capital

Predictability of income and maturities

Protection vs. interest rate fluctuations

Unique cash flow and liquidity requirements

Smoother yield over time

These objectives are accomplished by creating a schedule of securities that mature in equal amounts from 1-5 years. We recommend securities with a government guarantee (Canadian Government, Provincial Government or GIC with CDIC Coverage) to ensure that your investments are absolutely safe. We intend to hold securities until their maturity date and reinvest maturing proceeds keeping with the laddered strategy.

 

Our growth strategy is designed to produce long-term returns approximately in-line with world stock markets but with lower volatility. We believe that a patient investor makes better investment decisions, however, we also recognize that investing is emotional and being patient is not always easy. Our strategy is created with the intention of reducing the impact of market down-periods allowing our clients to stay invested and generate long-term positive returns.

To accomplish this, we recommend a variety of money managers that pick the individual stocks that make up portfolios.

Our selection of money managers make investment decisions on the stocks that are held in portfolios based on the fundamental analysis of individual companies. They do not attempt to time the market. Specific managers are selected to ensure portfolios are diversified by sector, geography and investment style.

Our global investment philosophy emphasizes exposure outside of Canada to provide access to larger, more diverse global markets. This ensures a larger selection of investment opportunities and improves portfolio diversification by accessing sectors not prevalent in Canada (i.e. healthcare, technology).

 

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CIBC Private Wealth” consists of services provided by CIBC and certain of its subsidiaries through 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. CIBC Private Wealth services are available to qualified individuals. 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.