After spending over 20 years in the financial services industry and several years as a senior officer in a mid size corporation, Leonard is well suited to advising his clients on how best to achieve their financial goals. He takes a "hands on consultative" approach, tailoring financial programs suited for the individual requirements of his clients.
Leonard graduated from McGill University with a B.Comm. in 1967, became a Chartered Accountant in 1970 and is a member of the Ontario and Quebec Institutes of Chartered Accountants. In 1972 he obtained his MBA from Columbia University with a major in banking and finance. He is options licensed and has a Level 2 designation in life and disability insurance.
Leonard's investment philosophy is one of conservatism with a conviction that investment recommendations are only to be made after detailed analytical approach. He focuses on providing ongoing attention to his clients' investments making timely recommendations when required.
Leonard's academic background combined with a successful business career allows him to have a clear understanding of his client's personal and financial position. He aims to offer sound and profitable advice to assist them to achieve their goals. He cares for his clients and has built up a successful practice because of the respect, confidence and trust that his clients have shown in him.
The Importance of a Strong Investing Partnership.
Investors are all involved in similar investment activities whether it be to provide income for retirement, savings for their children's education, minimizing taxes, insurance needs and the preservation and growth of capital. When an account is opened with Leonard and CIBC Wood Gundy, a partnership is established that will assist in discovering, defining and achieving major financial goals. Everyone is unique and should consider the advantages of working with an experienced and knowledgeable professional, backed by the preeminent firm in Canada.
The Road to Success
It is often stated that there are no shortcuts or miracles in achieving financial security. Leonard believes the process involves:
1- Identifying and understanding one's unique circumstances, needs and risk tolerance,
2- Developing a viable, flexible and realistic plan then following it,
3- Executing the plan utilyzing all resources available,
4- Monitoring of the plan measuring performance & advising necessary changes due to changing market conditions and personal circumstances,
5- Communicating on a timely and regular basis,
Leonard Kramer commits to working with you to successfully implement all steps necessary to achieve a successful program for you.