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[On screen: A large gathering of King penguins in their natural habitat. They are closely packed, with their distinctive black and white bodies and bright orange patches near their ears and on their necks visible. ]
OFF-SCREEN ANNOUNCER: There are over 10,000 financial advisors in Canada. Many are offering the same basic products and services, making it difficult to see where one differs from the other. What is it that makes Luke Kratz different? Keep watching and find out.
[On screen: A white background and CIBC logo at the top center. The logo consists of three blocks of red, yellow, and dark red, with the text "CIBC Wood Gundy" Underneath, "The Kratz Financial Group." ]
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[On screen: In the lower right corner is the logo for "CIBC Wood Gundy". Next to the logo, "Luke Kratz, Investment Advisor & Portfolio Manager."
Luke Kratz is a middle-aged man with short, light brown hair and a friendly expression, featuring a slight smile. He is dressed in a dark pinstriped suit with a white shirt and a green and blue striped tie, standing against a white background. ]
LUKE KRATZ: Hi, I'm Luke Kratz, Investment Advisor and Portfolio Manager with CIBC Wood Gundy. The work I do is to help make sure that my clients are free from financial worry, have an income they won't outlive, and know they'll leave a legacy to people they love or an institution they care about.
[Text on screen: Free from financial worry. Income for life. Leave a legacy. ]
LUKE: After over 20 years of helping clients achieve their financial goals, I've learned that real-life investor success is achieved by acting according to a plan rather than reacting to the random vagaries of the market or the economy, which can never be predicted or controlled in any way with any consistency by any one.
Please understand, I do care about markets, but not as much as I care about people. A market focus is always a short to intermediate term focus, which can be entirely incompatible with a rational lifetime investment strategy. My clients' portfolios are beautifully diversified with high-quality investments and I'm proud of the investment results our clients have achieved, but please know we're not merely focused on investment outcomes, we're focused on client outcomes.
Seeing that these are two different things is the beginning of an understanding of what makes me different. My clients and I don't sit around speculating on the next move in interest rates or oil prices or the loonie, we discuss the things that they will need and want to do for themselves and others that will require time, money, and ongoing planning to accomplish.
[On screen: A photo of an older couple embracing and smiling against a white and sky-blue background with a red and yellow swoosh above them. ]
You see, my team and I have a different perspective, yours. Let our difference be your difference.
I would like to offer you my top tips to preserve your lifestyle in today's challenging environment. My free book gives you the framework for the processes that power The Total Confidence Program.
[On screen: The Total Confidence Program™ Smart. Simple. Certain. ]
Just follow the instructions and we'll send it to you immediately. Thanks for watching.
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[Text on screen: Our Top Tips to Protect Your Future ]
[On screen: A white and light gray background displays a book titled "The Total Confidence Program" with a picture of the same older, smiling couple. The text beside the book reads: "Step-by-step how-to: Protect your Lifestyle Protect your Independence Protect your Dignity" ]
[On screen: Similar to the previous slide, this one features the book with additional text reading: "Sent free to your in-box Our Secrets: No obligation, or hassle" ]
[On screen: "The Total Confidence Program™" logo is at the center. The text "Smart. Simple. Certain." is located below the logo. ]
[Text on screen: CIBC Wood Gundy is a division of CIBC World Markets Inc., a subsidiary of CIBC and a Member of the Canadian Investor Protection Fund and Investment Industry Regulatory Organization of Canada.
Clients are advised to seek advice regarding their particular circumstances from their personal tax and legal advisors.
Insurance services are available through CIBC Wood Gundy Financial Services Inc. In Quebec, insurance services are available through CIBC Wood Gundy Financial Services (Quebec) Inc.
Luke Kratz is an Investment Advisor with CIBC Wood Gundy in Victoria, BC.
The views of Luke Kratz do not necessarily reflect those of CIBC World Markets Inc.
If you are currently a CIBC Wood Gundy client, please contact your Investment Advisor.
Celebrity voice over was not Morgan Freeman but rather the talented Jason Stevens. When it comes to financial advice, you should never accept a substitute to the real thing! ]