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 CIBC Private Wealth, Wood Gundy  CIBC Private Wealth, Wood Gundy

Gerstel Wealth Management Group

  • Home
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  • Meet the Team
  • Working With Us
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Planning for Your Future

Address Brookfield Place Suite 600 181 Bay Street Toronto ON, M5J 2T3
Telephone Number (416) 369-8177
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Intelligent Advice for Your Future

Planning services, tailored to your needs.

Good planning helps your wealth support you, but it should also help you support your wealth.

The most important goals are rarely monetary, so it’s vital to uncover and clarify what is important by forming a link with your plan in a way that keeps everything clear, simple and easily managed. That means knowing the right tactics for challenges like risk, tax, and wealth transfer, but it also means having a process for staying on track regardless of developments in your life or in the markets.

 

How do we plan?

We begin with a thorough understanding of you, your needs, your lifestyle, and your financial goals.

Developing your plan is a collaborative process: at Gerstel Wealth Management, our group works with you to formulate a roadmap, prioritizing your goals, by needs, wants, and aspirations. This allows for a well-rounded portfolio that matches a realistic time frame to meet your goals & liquidity constraints, and efficiently addresses tax considerations, while building a structure founded on suitable investments.

Combined with a risk analysis and assessment of your family wealth continuity plans, we present you with a clear portfolio and wealth plan. Incorporated are the parameters for investment decisions and strategies for more efficient tactics. Solutions are identified to protect your portfolio from unforeseen costs, providing reassurance - in terms of where you are today and how we can help you get to where you want to be.

 

Planning for the long-term

Your life isn't fixed, so why should your plan be?

As you move through different phases of life, your financial goals and needs will inevitably evolve. Our goal is to revisit your financial plan on an annual basis – this update allows us to ensure that important changes in your life, as well as changes in the world around us, such as interest rate fluctuations or inflation, are reflected in your plan.

When creating your financial plan, we assess specific factors such as career progression, age, legacy plans, and financial goals. Amongst other components, these factors act as a guideline to help our team structure a financial plan for your future.

 

An advisor taking clients through a financial plan in their bright kitchen

 

Why timing is more important than ever for financial planning

 

Ryan Gerstel joins CTV Chief Financial Commentator Pattie Lovett-Reid for a look at the concerns with a one-sized-fits-all financial plan, especially during retirement. Watch video.

 

 

 

 

Planning for different objectives: case studies

senior couple cozy on rattan couch  

The Preservation Focus

A couple planning for retirement is wondering how they will adjust to their new lifestyle and shifting financial situation. For many years, both husband and wife have earned large salaries, and as a result became accustomed not only to their lifestyle, but also to taking on a fair bit of risk in their investments.

Learn more
power couple walk and talk  

Keeping up with Change

A couple is wondering how to prepare for their new lifestyle and financial situation. Both partners have earned high salaried until, recently, the husband has decided to take a temporary lapse in income to pursue a new business venture,

Learn more
young couple embracing at cottage  

The Young Professional

A young professional has been running a successful business for over 15 years. Both he and his wife are high-income earners and understand that this stage of their lives is focused on capital accumulation.

Learn more
woman with tablet in office after hours  

Restoring Balance

Jim and Jane are in the process of a divorce. Jane is an accountant by trade, and her husband is a business executive earning a high salary. She wants help planning for the future to ensure that she can continue to support her lifestyle.

Learn more
Business owner meets with staff  

Balancing Life and Business

A local entrepreneur has been running a successful business for over 20 years. Though his business keeps him busy, he tries to find time to spend with his family, pursue philanthropic interests, and to engage in a number of hobbies.

Learn more
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A False Sense of Planning

business person standing at the end of a dock on water.

A False Sense of Planning

Your life isn’t fixed so why is your plan? Financial Plans can be misleading creating a false sense of reality. Read about solutions to take the guesswork out of retirement planning.

Continue reading
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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. Insurance services are only available through CIBC Wood Gundy Financial Services Inc. In Quebec, insurance services are only available through CIBC Wood Gundy Financial Services (Quebec) Inc.


CIBC Private Wealth services are available to qualified individuals. The CIBC logo and “CIBC Private Wealth” are trademarks of CIBC, used under license.