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 CIBC Private Wealth Management

CIBC Wood Gundy

Girard, Pilkey & Associates Wealth Management

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Investment Expertise

Address 150 Caroline Street South 3rd Floor, Waterloo ON, N2L 0A5
Telephone Number (519) 883-5315
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Investment expertise

Your smart decisions and hard work built your wealth. Ours will help you to protect and grow it.

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Disciplined Expert Investment Management

Girard, Pilkey & Associates Wealth Management specializes in managing large portfolios — it's our focus, not a sideline. By concentrating our efforts on larger asset levels we are intimately familiar with the unique risk, tax, cash management and reporting needs of larger asset levels and the most appropriate structures and investments to utilize.

With us, you don't get recommendations for timing the market, aggressively trading stocks, or chasing the hot sector. Instead, we focus on disciplined portfolio management aimed at achieving consistent above-average risk adjusted investment returns. Returns that will support your lifestyle today, if needed, and in the future as your life evolves.

Our investment approach is founded not on selling products, but on real world experience and unbiased academic research from some of the leading universities around the world. This is the same experience and research that successful institutional investors have been following for years. As such, Girard, Pilkey & Associates has specifically been structured with a fee-based compensation method and open-architecture investment capabilities so we can construct and manage portfolios in the same manner followed by multi-billion dollar pension and endowment funds.

Like all institutional portfolios, we adhere to the following criteria:

  • Access to all asset classes (not just stocks, bonds, or mutual funds). This includes high-yield bonds, real estate (public and private), hedge funds, private equity, structured notes, etc.
  • Utilize both passive (index tracking) and active (analysis & selection) investment styles
  • Apply a tactical asset allocation overlay (adjustments based on the economic and market cycle)
  • Monitor, reassess, and rebalance portfolio holdings as required
  • Manage the portfolio as a whole, not as individual accounts or investments
  • Employ proven risk management tools (diversification, non-correlation, hedging, etc.)
  • Review portfolio performance against appropriate benchmarks
  • Minimize costs

 

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Applying Modern Portfolio Theory tenets, client portfolios are then constructed by:

  • Determining a target return for the portfolio
  • Identifying the appropriate asset classes to include in the portfolio
  • Deciding upon the proper strategic and tactical asset allocation
  • Selecting the most efficient individual investments for each asset class
  • Deciding which accounts to hold each investment in to minimize tax and effectively manage cash flow needs (if required) and estate objectives

Once developed and implemented, each client’s portfolio is managed and monitored with constant supervision. And each client works directly with their portfolio manager to ensure the portfolio strategy always reflects their objectives, needs and comfort.

 
 
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“CIBC Private Wealth Management” 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 Management 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.


The CIBC logo and “CIBC Private Wealth Management” are registered trademarks of CIBC.