Wealth Management Solutions

Success Starts with a Plan

Les' expertise is focused on portfolio construction and ongoing counseling services. However, before portfolio construction begins each client undergoes a multi-stage process to establish trust and a clear understanding of the team. This very important first step involves a detailed visualization of what you, the client, can expect from Les.

Les has a well established structure and a very successful implementation strategy. Then the focus is on you - your needs, expectations and future goals. Building a solid foundation of trust and understanding is as important as the investment plan that will eventually be put in place. Once the plan is approved, Les will review individual securities that are appropriate for investment.

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Approach to the Markets

The process of selecting equity investments involves a value-oriented investment focus, reinforced by the disciplines of technical and strong fundamental analysis. By combining these different techniques, experience has shown that potential for growth can be found in financially stable companies whose true intrinsic value is not recognized by the markets. Consistent application of these principles requires discipline and commitment since companies are usually held until the security's value climbs to a target price.

Once a price target is achieved, the security is sold based upon parameters predetermined by detailed analysis. In doing so, rigorous discipline is maintained in order to preserve a margin of safety. This conservative approach is ideal for investors who are looking for long-term growth but who are unwilling to accept undue risk.

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Financial Planning

Through the financial planning process, Les develops customized strategies tailored to clients' unique goals and circumstances. Clients have access to in-depth financial planning analysis and a wide variety of special reports on retirement and estate planning issues. By integrating life insurance into an estate plan, Les helps clients choose a customized policy that offers income growth opportunities, insurance coverage and attractive tax advantages, benefits that can be passed on to their beneficiaries.

Portfolio Partner® - The Best of Both Worlds

Portfolio Partner is a premium portfolio service that allows us to work closely with eligible clients to implement a tailored investment strategy and manage your portfolio on an ongoing basis. Paying an annual fee (monthly or quarterly), instead of commissions on every transaction, grants you the freedom to pursue your investment strategy without being concerned with individual transaction costs on every trade.

Portfolio Partner offers:

Professional investment advice
Monthly or quarterly asset-based fee
Commission-free trading
Preferred interest rates on cash balances and margin loans
No annual administration fee for enrolled, registered accounts
Tax benefits
A wide selection of investment options
Renowned investment, corporate and industry research
Detailed account statements and online access to account updates

With Portfolio Partner, you can leverage our experience, strategies and advice as we help you achieve diversification and a balanced portfolio specific to your financial goals.

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Investment Consulting Service

CIBC Wood Gundy Investment Consulting Service (ICS)™ is Canada's leading Separately Managed Account (SMA) program and offers the ability to establish a customized portfolio for each client based on their individual investing needs. The personalized service, due diligence and the investment expertise of many global investment managers, ICS provides an investment solution that can help clients achieve their long-term financial objectives.

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Tax Planning By Jamie Golombek

Jamie Golombek, CA, CPA, CFP, CLU, TEP, is the Managing Director, Tax and Estate Planning, with CIBC Private Wealth Management. As a member of the CIBC Retail Markets team, Jamie works closely with CIBC Wood Gundy Investment Advisors and other partners within the CIBC group of companies to support our clients and deliver integrated financial planning and advisory solutions. Jamie is a regular columnist with the National Post, Advocis' FORUM magazine, and Advisor's Edge Report, and he is often quoted in national media as an expert on personal taxation matters. Jamie also provides CIBC with reports on various tax planning topics, including TFSAs, RESPs, and trusts and estates, as well as commentary on the federal budget.

I'd be pleased to provide you with copies of tax planning Special Reports by Jamie Golombek. You can also find links to many of Jamie's articles at www.jamiegolombek.com.

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Estate Planning

Accumulating wealth, like any great achievement, requires creativity, skill, and perseverance. To make the most of your wealth, you need a plan that will help you achieve all of your financial goals, today and in the future. Financial and estate planning provides the opportunity to plan for your financial future and to ensure you can leave a lasting legacy that reflects your personal values With a financial and estate plan, you can establish your goals, prepare for the unexpected, and define your legacy according to your priorities. http://www.cibcwg.com/john-robinson/

Insurance - Providing you peace of mind

Life insurance can play a very important role in your financial plan and can give you peace of mind knowing you have provided for the well-being of your family.

Generally, life insurance guarantees the payment of a pre-specified amount of money upon your death, paid tax-free to the beneficiaries chosen by you. Proceeds from a life insurance policy bypass your estate and are paid directly to your beneficiaries. This not only provides a faster and more efficient settlement for your beneficiaries, it also means there are no probate, legal or executor fees levied on these assets.

By integrating life insurance into your financial plan, you can choose a customized policy that offers growth opportunities and attractive tax advantages, benefits that are passed on to your beneficiaries.

Wealth management solutions