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What if you made smarter money choices based on proven investment strategies that increase your net worth?
Chances are you have questions. Am I taking advantage of every opportunity to increase my net worth without incurring excess risk? Should I pay down my mortgage or invest in my RSP? Could I reduce the tax I pay while remaining fully compliant?
Get the answers by requesting a free, no-obligation consultation with Investment Advisor Andy Silverman. Mr. Silverman runs his practice out of CIBC Wood Gundy's Pickering branch. He is licensed in and assists clients in Ontario, Alberta, British Columbia and Quebec.
With a 19-year track record and proven investment methodology, Andy has earned the confidence of more than 200 clients with varying needs and net worth. He starts by defining the client's current situation (employment income, other income, net worth living expenses) and what they could expect by maintaining the status quo – and what they could gain by following a different path that corrects problem areas and exploits untapped opportunities that offer higher returns with minimal risk.
Here are just a few examples of the gains you could expect:
• Add corporate bonds to your investment portfolio. This can significantly inrease your yield without having to invest in stocks.
• Make your investment management fee tax deductible.
• Make interest income tax deductible by borrowing to invest.
You can also expect to make gains by taking advantage of the diversification strategy that Mr. Silverman uses to achieve measurable gains in net worth while taking into account the client's preferred risk/reward balance. That means a 60-year-old client with low risk tolerance will get a very different mix than a 35-year-old.
A truly diversified portfolio includes some or all of the following investment options:
• Corporate bonds
• Preferred shares
• Infrastructure (water, gas, electricity)
• Emerging markets
• Real estate
Most importantly, you will know the "rules of the game." There is no more guessing – you will know the fundamentals that lead to success and, equally important, the common financial mistakes.
"It's important to vary not only what you buy, but also where you put your money," notes Mr. Silverman. "It makes no sense, for example, to put all your money in one country when there are so many investment opportunities around the world. It also makes no sense to pay tax when you could avoid that payment by making a smarter money decision."
That thinking has earned Mr. Silverman a constant stream of referrals from satisfied clients, including sons and daughters who refer their mothers – the ultimate endorsement. They come to Mr. Silverman because they recognize they will do better with Mr. Silverman than they could ever do on their own, even after taking into account the management fees paid on investments.
"Just about everyone I meet is paying too much tax or losing money by putting money into under performing investments," explains Mr. Silverman. "The other thing I see a lot is investors who make big mistakes because they were guided by what they read in the media or what they hear around the water cooler. Managing your net worth is not a job for amateurs. You need professional money management that is customized to meet your objectives and your dreams."
What about service? Mr. Silverman is committed to providing the level of service that suits each client's needs and expectations. For example, some clients prefer regularly scheduled meetings while others prefer a more ad hoc approach or frequent contact by phone and email. "Everyone is different," notes Mr. Silverman, "but regardless of their needs, investment knowledge and financial status, all accounts that I take on are handled with the utmost care."