Planning your financial journey

Financial planning is shaped by various factors, but it all starts by engaging a qualified wealth advisor to begin this process. A wealth advisor can enhance the planning process by providing expertise, objectivity, personalized guidance, and ongoing support to ensure your financial goals are being met according to your wishes.

Customized financial plans: Jeanette Power, senior wealth advisor and head of The Power Investment Team, works closely with her team’s Private Wealth Financial Planning Specialist partner, who develops a customized financial plan that can address clients’ unique goals, risk tolerance, time horizon, and financial situation. These plans are comprehensive and take into account all aspects of the client's financial life.

Tax planning:  Tax planning strategies are implemented into a clients’ financial plan to help minimize tax liabilities and maximize after-tax returns. Tax planning also helps optimize investment accounts, retirement contributions, and other financial decisions to take advantage of tax-efficient opportunities.

Peace of mind: Having a comprehensive financial plan in place provides peace of mind, knowing that your financial affairs are organized and aligned with your goals. Jeanette ensures that her client’s financial plans are reviewed regularly, adjusting the plan to reflect life changes that take place such as getting married, purchasing a new home, and funding a child’s education to name a few.
 

Legacy planning: Financial planning allows individuals to plan for the distribution of their assets and wealth to heirs or charitable organizations after their passing. This ensures that their wishes are carried out and can also minimize estate taxes and probate costs.

Plan for success:  Your financial plan helps determine your unique goals and provides a road map to achieve them.

The Power Investment Team has the expertise and tools to create your dynamic plan that changes as your priorities do, and we’re ready when you are to start planning your financial journey.

 

We would be happy to set up a consultation, at no cost or obligation, to provide you with the insight and expertise to pursue your wealth goals with confidence.

 

Connect with us any time via email: thepowerinvestmentteam@cibc.com or call 905 804-2240.

 

 

 

 

 

“CIBC Private Wealth” consists of services provided by CIBC and certain of its subsidiaries through CIBC Private Banking; CIBC Private Investment Counsel, a division of CIBC Asset Management Inc. (“CAM”); CIBC Trust Corporation; and CIBC Wood Gundy, a division of CIBC World Markets Inc. (“WMI”). CIBC Private Banking provides solutions from CIBC Investor Services Inc. (“ISI”), CAM and credit products. CIBC Private Wealth services are available to qualified individuals. The CIBC logo and “CIBC Private Wealth” are trademarks of CIBC, used under license. “Wood Gundy” is a registered trademark of CIBC World Markets Inc. This information, including any opinion, is based on various sources believed to be reliable, but its accuracy cannot be guaranteed and is subject to change. Clients are advised to seek advice regarding their particular circumstances from their personal tax and legal advisors. If you are currently a CIBC Wood Gundy client, please contact your Investment Advisor.

 

WEALTH MANAGEMENT APPROACH

Step 1: Understanding your needs and preferences

Recognizing that no two clients are alike, the Wealth Management Process begins by understanding your specific needs and preferences to meet your investment goals. To do this effectively, we will gather important information which includes:

• Your financial and personal status;

• Your investment goals and preferences;

• Your investment objectives and constraints;

• Your risk tolerance; and

• Your time horizon

Step 2: Creating an investment strategy

Once we have defined a clear understanding of your needs and preferences, we can create an investment strategy tailored to your requirements. A detailed financial plan will be built that establishes cash flow management, education planning, retirement planning, investment planning, risk management and insurance planning, tax planning, estate planning and business succession planning (for business owners).

Step 3: Customizing your investment portfolio

When it comes to an investment portfolio, one size does not fit all. We will implement your investment strategy to construct a custom-designed portfolio. The custom-designed portfolio will integrate your investment objectives, risk tolerance and investment time horizon to achieve your individual financial goals. With access to other leading financial, estate and business planning professionals, in-depth research and analysis and best-in-class investment solutions this is where our team can assist you in customizing a suitable portfolio.

Step 4: Managing your portfolio to meet your objectives

A strategy does not always go according to plan. For this reason we will continuously monitor and review your portfolio on an ongoing basis and adjust your strategy to keep it aligned with changing life events and evolving market conditions. Our regular reviews ensure than your plan remains and effective tool in achieving your goals.