Investment Advisor, Financial Security Advisor
Toll Free: +1 (888) 577-8224
Fax: (514) 332-4908
A premier provider of wealth management services, CIBC Wood Gundy has a distinguished heritage of helping investors achieve their goals.
As a CIBC Wood Gundy Investment Advisor, I can help you navigate the complexities of managing wealth, while providing solutions that are tailored to your individual needs.
Capitalizing on the strengths of CIBC, I have access to other leading financial, estate and business planning professionals, in-depth research and analysis, online tools and resources and best-in-class investment solutions.
Managing your wealth with confidence requires a close, personal relationship built on trust, expertise and a thorough understanding of your needs. CIBC Wood Gundy's personally-tailored solutions extend well beyond investment advice and money management. From investing to using insurance and tax strategies to build, protect, maximize and transfer your wealth, I can help meet all aspects of your financial situation throughout your lifetime.
My Business Philosophy is to provide affluent clients with an investment experience that is highly structured and easily understood to ultimately help you achieve your retirement goals. My business tools and process are outlined below:
Developing an Investment Policy Statement (IPS)
An IPS is a tool that outlines a set of guidelines that are helpful in making investment decisions. The main advantage of a written IPS is that it helps you stay focused and avoid transactions dictated by emotion during short-term market fluctuations. The IPS will include:
Your objectives and investment expectations
Your risk tolerance
Your investment time horizon
Liquidity and income requirements
Minimizing tax concerns
Creating a Comprehensive Written Financial and Estate Plan (CWFP) which serves the primary purpose of determining how long your money will last in retirement. The CWFP will also help to organize annual expenses and saving patterns and will estimate future tax liabilities on your estate. In addition the CWFP will also help determine what estimated annual return would be required from your investment portfolio. And hence how much risk would need to be taken when investing in order to meet retirement objectives. The key benefit of completing a CWFP is the ability to validate your retirement plans. If the projections reveal shortfalls the necessary steps can be taken today to help ensure financial needs are met in retirement.
Creating a suitable Investment Portfolio that addresses the requirements of both the Investment Policy Statement and the Comprehensive Written Financial Plan. The portfolio can include fixed income products, mutual funds, individually managed accounts and stocks.
Periodic Client Meetings are established to help you understand how markets are affecting both your investment portfolio and ultimately your long-term financial plan. We will discuss portfolio risk and review your portfolio's performance relative to the appropriate benchmark. It also provides an opportunity for you to discuss any recent or upcoming life changes that may affect your retirement planning.