Canada s Leading Wealth Management Team for the Tennis Community

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1 Canada s Leading Wealth Management Team for the Tennis Community London Office 255 Queens Ave., One London Place London ON N6A 5R8 Phone: Website: Cross Financial Group

2 Canada s Leading Wealth Management Team for the Tennis Community I know tennis. Cameron and his team clearly understand the world of tennis AND wealth management. This combination has been to my great benefit and furthermore, to my extended family. - Daniel Nestor Our role is to make your investment goals clearer and more attainable. This starts with listening to you and at times, hearing more of what is not said. Clients rely on our expertise however, it is our commitment to ensure you understand in plain language, what and how that impacts your investment and financial decisions.

3 An Experienced Team Cameron Cross, M.Sc., MBA Investment Advisor Cameron has been providing investment advice for over 12 years within the tennis community and prominent families in Canada. Combined with his Masters of Finance background and his extensive success in tennis, currently world-ranked in senior doubles and a representative for Canada, Cameron understands the financial concerns and needs of tennis players. Cameron is also the Co-Head of the UWO men s varsity tennis team. Sandra Dynka Sales Assistant sandra.dynka@cibc.ca Sandra s role with the Cross Financial Group includes overseeing day-to-day functions, client service and ensuring the standard of service provided continues to improve and beat expectations. Sandra s natural discipline and commitment in her own tennis career have transcended into her current role as the team leader for this group. It is this determination and focus that makes her a great asset to the team. Anna Terpstra Sales Assistant anna.terpstra@cibc.ca Anna has over 20 years of experience with CIBC Wood Gundy and she is the delightful voice you experience as the first point of contact when you call. Anna s attention to detail and her genuine concern for clients satisfaction is integral to this administrative role for the Cross Financial Group. Anna is fully licensed to trade securities and her expertise is an invaluable asset to the team.

4 Our Strategic Partners Jamie Golombek, B.Comm, CA, CPA, CFP, CLU Managing Director Tax & Estate Planning CIBC As a member of the CIBC Retail Markets team, Jamie works closely with CIBC Wood Gundy Investment Advisors to support their high net worth clients and deliver integrated financial planning and strong advisory solutions. Jamie has also worked for Deloitte & Touche as a tax specialist in the Toronto office, where he specialized in both personal and corporate tax planning. He received his B.Comm. from McGill University, earned his CA designation in Ontario and qualified as a U.S. CPA in Illinois. He has also obtained his Certified Financial Planning (CFP) and Chartered Life Underwriting (CLU) designations. John Robinson, CFP, CLU, CH.F.C Vice-President, Estate Planning Specialist CIBC Wood Gundy Financial Services John began his career in the financial services industry in He has been both a financial advisor and now an Estate Planning Specialist with CIBC Wood Gundy Financial Services Inc since He has earned his Chartered Life Underwriter (CLU), Chartered Financial Consultant (CH.F.C) and the Certified Financial Planner (CFP) designations. John will work with you to create a customized plan for your estate, while ensuring it is distributed in the most cost-effective and tax-efficient manner possible. Michael Burns, BA, CFP, CIM Financial Planning Specialist CIBC Wood Gundy Financial Services As a CIBC Wood Gundy Financial Planning Specialist, Michael can help you establish a plan that considers all facets of your financial circumstances. With the many tools and resources available, Michael can show you how much you need to save for a specific goal, how much income you can expect to have at retirement, and help you effectively plan to transition your business or minimize taxes. Evelyn Dodds Senoir Private Banking Advisor CIBC Private Wealth Management Evelyn brings more than 25 years of experience in the financial services industry to her role as Senior Banking Advisor. A dedicated relationship manager for high net worth individuals and their families, she draws on her brackground as a Financial Advisor in Business Banking and Imperial Service. In her role with CIBC Professional Banking, Evelyn spent many years specializing in meeting the financial needs of Healthcare Professionals. She has also completed the Professional Planning Course, the Canadian Securities Course and the Wealth Management Essentials Course. Evelyn s wealth management experience allows her to provide in depth financial advice to her clients. Through a team of specialists, she provides a complete range of financial solutions including investment planning and management, business banking, estate and trust advisory services, business succession planning, tax shelteringopportunities and domestic and international trusts to meet the specific needs of her clients.

5 Commitment to Our Clients Integrity We understand the world of tennis and wealth management. We re here to protect your assets. Your trust matters. Transparency We are open communicators. Working with us you will always know how we manage your assets and how we are compensated. Service-Oriented Clients count on us and we value that trust. Our standard of service is a constant evolution and because we all have room for improvement, the Cross Financial Group promise to improve our advisory service as well as our service team every year.

6 Our Solutions We are more than investment advice, we provide a roadmap that tracks your financial success. Here is an example of a personal roadmap: First Quarter - Information gather develop road map - Create Investment Policy Statement (IPS) - Discuss financial plan Fourth Quarter - Review potential for RIF Payments/rollover - Charitable donations Second Quarter - Check in how are things so far? - Personal financial organizer - Statement review First Year Roadmap for Mr. & Mrs. Smith Second Year Third Quarter - This process continues to build out based on each client s situation and needs. For example wills, tax concerns, estate planning, parents/children legacy Fourth Quarter - Tax loss selling - RESP s - Formal review First Quarter - RRSP s (review/contribute) - TFSA (review/contribute) - Review individual goals Second Quarter - Check in how are things so far? - Personal financial organizer - Statement review Third Quarter - This process continues to build out based on each client s situation and needs. For example wills, tax concerns, estate planning, parents/children legacy

7 A Disciplined Investment Process The Cross Financial Group employs a disciplined investment process to ensure your investments achieve the goals outlined in your financial plan. Our goal is to offer the right strategy to each of our clients by customizing a portfolio that suits you and your family. Customized Investment Portfolios Our team offers customized investment portfolios to suit your individual needs. With advice and ongoing recommendations from our team you are involved in building and administering the portfolio. Fixed income: One of our core competencies is our expertise in fixed income. By purchasing individual fixed income securities such as bonds, preferred shares, guaranteed investment certificates (GICs), and debentures, we are able to customize your fixed income investments to match your income needs and tax situation. Equities: CIBC s Investment Strategy Committee is an important resource to our team and clients. This team of experts includes economists, portfolio strategists and analysts. The Committee continuously provides recommendations on individual equities as well as portfolio asset allocation, which serves as an additional layer of risk management in your portfolio. Fee-based or transactional platforms: Depending on your needs, we can offer offer you both platforms. Through CIBC Wood Gundy s Portfolio Partner Program, the fee-based approach eliminates transactional commissions with a flat annual fee as a percentage of your investment assets. This fee is tax-deductible in non-registered accounts. Research: In addition to CIBC s Investment Strategy Committee, the Maltby Casey Investment Group also utilizes numerous third party research providers to provide our clients with unbiased and objective investment recommendations. Strategists Economists CIBC Analysts Cross Financial Group Third Party Research CIBC Investment Committee Conecting You to a World of Money Management Your Portfolio CIBC Wood Gundy Investment Consulting Service is your gateway to an institutional-quality service with a customized approach. By combining the personalized service of the Cross Financial Group, the objective guidance and monitoring of the CIBC Asset Management Inc., Investment Management Research Team (The Due Diligence Team ) and the investment expertise of many global investment managers, we provide you with an investment solution that can help achieve your long-term financial objectives. With thousands of professional investment management firms worldwide, the task of finding and hiring a suitable, high quality investment manager has become increasingly complex and cumbersome. Investment Consulting Service identifies, monitors and provides you access to professional investment managers that are usually only available to institutional investors. We offer a wide range of managers with diverse investment strategies, covering all major asset classes and investment styles including Canadian, U.S., international and global equity, and Canadian and U.S. fixed income, plus managers that cover unique asset classes through mutual funds, pooled funds and exchange-traded funds. Our complete line-up across asset classes and investment styles will help you shape your portfolio to fit your individual objectives.

8 Cross Financial Group in the Community Men s Western Tennis Team Beginning in 2011, Cameron took on the role as the Co- Head Coach of the Men s Western Varsity Tennis Team. Cameron s coaching style and role model leadership was a factor that helped the team win back to back OUA Championships in 2012 and The tennis team will again be representing Western University at the National University Championships hosted in Montreal during the Rogers Cup at the Rexall Centre in August Also, for the second consecutive season Western Mustangs coaches Cameron and Anthony Glavanic have been named the co-winners of the OUA Men s Tennis Coach of the Year award. St. Josephs Healthcare Foundation Over the years, the Cross Financial Group has hosted large events with some of Canada s top professional tennis players including; Daniel Nestor, Milos Raonic, Aleksandra Wozniak, Peter Polansky and Fililp Peliwo. In past events, the Cross Financial Group has partnered with St. Joseph s Healthcare Foundation to help raise money and support the St. Joseph s Hospital. Cross Financial Group 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. 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. 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. Registered trademark of CIBC World Markets Inc. Trademark of CIBC World Markets Inc. CIBC Wood Gundy will be responsible to CIBC Wood Gundy Investment Consulting Service clients for the advice provided by any Investment Manager. The ICS Program Manager, CIBC Asset Management Inc., is a subsidiary of CIBC.