Financial Planning Solutions

Securing Your Future

Financial security is a long-term proposition that requires careful planning and attention. We are living longer, healthier and more productive lives. As a result, you can now expect to spend one-third of your lifetime in retirement. Ensuring that you are prepared and have established a roadmap for your future financial success is critical in securing your financial well-being.

The financial planning process reviews your personal circumstances, develops appropriate strategies and responds to changes in your life, as well as changes in the world around you. Planning your financial security is not easy. Regardless of your stage in life, it is important to take steps today to ensure your own personal financial independence in the future.

Helping You Plan For Tomorrow

To manage your current state of affairs and properly design your financial future, you should begin by organizing your personal financial data. With this information, you and your CIBC Wood Gundy Investment Advisor can compile some basic financial summaries, which will form the basis of your financial plan.

Your personal financial strategy can help you:

• Have a comfortable retirement
• Provide for a child's education costs
• Protect income in the event of death
• Preserve estate assets for heirs

Preparing Your Strategy

Preparing a unique and successful approach to reaching your financial goals takes time and careful reflection. A common goal for many individuals is to retire comfortably. Consequently, retirement planning is often the cornerstone of the whole financial analysis.

Additional considerations include a review of tax and estate planning issues. Many factors form part of long-term tax planning, including RRSP contributions, asset allocation and various investment strategies. Estate planning will also have unique considerations including a review of insurance needs, as well as Wills and powers of attorney (both for property and personal care).

Implementation Is Essential

While your strategy may be sound, it is meaningless if not put into action. At CIBC Wood Gundy, we concentrate on your financial planning needs by helping you develop innovative strategies to meet those needs.

Our comprehensive range of products and services are designed to support your investment goals and give you the peace of mind you need when dealing with your financial security. Your CIBC Wood Gundy Investment Advisor has access to the tools and materials necessary to put it all together, act as your primary advisor, co-ordinate your strategies and work with your other trusted advisors.

Where Do I Start?

At CIBC Wood Gundy, the financial planning process starts with our Client Profile questionnaire and is a great first step. Your CIBC Wood Gundy Investment Advisor can help you get organized and assist you in preparing a comprehensive review of your personal situation. Use our Find An Advisor tool to locate a CIBC Wood Gundy Investment Advisor near you.

The information contained herein is considered accurate at the time of posting. CIBC and CIBC World Markets Inc. reserve the right to change any of it without prior notice. It is for general information purposes only.

Clients are advised to seek advice regarding their particular circumstances from their personal tax 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.