Solutions Today for Protection Tomorrow

Eric Schenstead, Estate Planning Specialist, CFP, CLU, TEP

An Estate plan can help you in building a legacy and assist you in determining those sensitive, far-reaching decisions about the distribution of your wealth upon your death.

Today, more than ever, it's important to plan for your financial future. Most people are juggling multiple priorities - from saving for a child's education to securing a comfortable retirement to caring for aging parents or preparing for the transition of a family owned business. The decisions you make today, will impact your future.

At CIBC Wood Gundy, we recognize that accumulating wealth is a great accomplishment that requires skill and determination along with a plan that is uniquely developed for your personal circumstances or that of your business. We understand that it is very important that you do not outlive your wealth, but provide for loved ones or those foundations that are worthy to you. Your goal requires a plan that will outline how your assets should be managed and preserved throughout your life and then distributed afterward to the people or causes you love.

By also drawing on the expertise of CIBC Wood Gundy Estate Planning Specialist, Eric Schenstead, you will be provided with truly comprehensive advice and solutions that comes from a partnership approach to client service. The goal, as always, is to help you reach both your retirement and your estate planning objectives. We will work with you to create a customized plan for your estate, while ensuring it is distributed in the most cost-effective and tax-efficient manner possible.

Your wealth is more than money. It grants you the opportunity to provide for your family or contribute to causes cherished by you. It is the achievement of your financial goals, which can bring the freedom to choose how you will spend your life and make use of your resources. Wealth also comes with the responsibility of determining how you want your family or worthy causes to benefit from your prosperity.

So ask us how we can help ensure that your estate is protected and minimized from taxes, fees and legal costs while ensuring orderly transfer of wealth to your beneficiaries.

Whatever your goals or circumstances, we have the expertise to help:

• Wealth Preservation

• Education Funding

• Retirement Income

• Estate Equalization and Transfer

• Charitable Giving

• Critical Illness and Disability Insurance

• Business Succession Planning

Eric has over twenty years experience in financial planning. He began his career in 1982 with Sun Life Assurance as a life underwriter, and then went on to join Canada Life where he received much of his advanced insurance and estate planning education. Eric developed his practice as an Estate Planning Specialist, a service provided to life agents and their clients on a consulting basis. He is active in The Canadian Association of Family Enterprise, (CAFE), the Canadian Association of Insurance and Financial Advisors, (CAIFA) the Financial Planners Standards Council of Canada, (FPSCC) and The Society of Trust and Estate Practitioners, (STEP) and has completed several advanced financial planning courses.