I understand that every client has unique needs. As an Investment Advisor, my role is to help my clients make smart, well-informed decisions about their investments - providing them with:

• greater financial independence,
• peace of mind, and
• security.

While each of my clients is unique, they all have one thing in common: They want unbiased investment advice from a knowledgeable professional. My clients look to me to preserve their capital and help provide real growth in their portfolios after tax and inflation. They have worked hard for their money and look to me to guide them toward financial security in retirement.

My relationship with my clients is enhanced with the development of a comprehensive written financial plan aimed at achieving their long-term financial goals. As part of this plan, we cover the investment, insurance, tax and estate planning aspects of each client’s situation.

All of my clients receive a summary of performance regularly. The information in this report is presented as clearly as possible. In addition, the format of the report is reviewed with all clients at the outset of each relationship to minimize confusion or misunderstanding about how to read the results.

In addition, each of my client’s accounts is monitored on a continuing basis to take advantage of opportunities created by changing circumstances.

I believe that my role is at the centre of a broader professional network. To that end, I provide or facilitate all services CIBC Wood Gundy offers to our clients. Among the services that we offer are:

• Annuities
  
• Asset Protection, Insurance, Critical Illness
  
• Charitable Giving
  
• Education Funding
  
• Estate Planning Services
  
• Financial Planning Services
  
• Investment Trusts
  
• Multi-generational Financial Planning
  
• Referral network for accounting and legal services
  
• Retirement Planning

• Response time:
  You can expect that any call made to my office before 4:00 p.m. will be returned by me on the same day. Calls made after 4:00 may be returned on the next business day.
• Problem resolution:
  While CIBC Wood Gundy and I endeavour to execute all business without error, I assure my clients that any problems will be resolved within three business days. If that is impossible, I will provide you with a status report within that time frame.

I believe that my best client is the one who is fully informed. Every three months, all clients receive a newsletter and telephone call to talk about any questions or issues; in addition, occasional workshops are offered to discuss market developments, featuring knowledgeable guest speakers. When appropriate I will also point you to articles of specific relevance to your situation. Finally, I maintain a library of some of the very best books on personal finance, available for loan to all my clients.