[CIBC Private Wealth logo]

[Wealth planning conversations]

[What is your spending pattern?]

Narrator: Do you know where your money is going? What are you saving for? Are you saving enough?

[Understand your spending pattern]

Narrator: Understanding your spending pattern is important to develop your wealth plan and it helps determine if your lifestyle is sustainable.

[Develop your wealth plan]

[Is your wealth plan sustainable?]

Narrator: Working with our wealth planning experts, we help you understand your spending pattern and develop strategies to help you meet your goals.

[Meet your goals]

Narrator: By analyzing your tax returns, investments, pension statements, savings patterns and debt, we can help you identify where to target savings and where to draw money as you move through each life stage.

[Know where to save]

[And where to draw money]

[Across each life stage]

Narrator: Here's an example You and your spouse are in the wealth accumulation phase, and you plan to send two kids to university and in the near future want to make some home renovations.

[On screen graph appears showing My goal timeline]

[CIBC logo Education Plan]

[Y axis shows $0 to $100K in $20k increments and X axis shows years 2020 to 2035 in 5 year increments with dollar value progressively increasing]

[On screen graph appears showing My goal timeline]

[CIBC logo Home reno plan]

[Y axis shows $0 to $50K investments and X axis shows years 2021 to 2024 in 1 year increments with dollar value progressively increasing from 2021 to 2022 and then plateauing from 2022 to 2023 and then increasing from 2023 to 2024]

Narrator: Our wealth planning experts can provide a comprehensive analysis of your goals using our advanced planning tools. We can project your spending patterns over the next 40 years.

[Identify tax patterns]

[Screen shows a graph showing the retirement timeline]

Narrator: We can also identify tax patterns to gain savings and limit your taxes during retirement.

[Man looking at a screen with a graph of asset allocation]

We can help you figure out if it's best to save now or pay down debt.

[Wealth consumption stage]

[CIBC Retirement Plan: graph of retirement investments showing a an upward curve from 2020 to 2050]

Narrator: When you're closer to the wealth consumption stage, knowing your spending pattern will guide your retirement planning.

[Delay retirement]

[Work part time]

Narrator: Do you want to delay retirement and continue to work part time or retire with confidence?

[CIBC Retire early chart shows a curve from 2020 to 2050 on investments]

Narrator: We can help create a retirement plan that works for you.

[CIBC Home reno plan: Graph shows upward curve from 2021 to 2024 on Y axis of My Goal timeline]

Narrator: Understanding your spending pattern is just one factor of many that may influence your financial decisions.

[CIBC See the world plan: Graph shows upward curve from 2020 to 2023 with my goal timeline in the Y axis]

[CIBC Cottage Plan: Graph shows upward curve from 2020 to 2035 with my goal timeline in the Y axis]

Narrator: Let's have a conversation. On how our wealth planning approach can help you achieve your goals through every life stage.

[Let’s have a conversation]

[Speak to your CIBC Private Wealth Advisor]

[Disclaimer: CIBC Private Wealth consists of services provided by CIBC and certain of its subsidiaries: 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 CBC Investor Services Inc. (“ISI”), CAM and credit products. CIBC Private Wealth services are available to qualified individuals. The CIBC logo and “CIBC Private Wealth” are trademarks of CIBC, used under license.]

[CIBC Private Wealth logo]

[The CIBC logo and “CIBC Private Wealth” are trademarks of CIBC used under license.]