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Martin Theodore, B.Comm., CIM®
Portfolio Manager
9900 Cavendish Blvd., Suite 100, St-Laurent, QC H4M 2V2
Tel: 514 832-8374 • Toll free: 1 888 577-8224
www.martintheodore.com
Investments & Wealth Strategies
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It has to be about more than just the returns.
It has to be about the value of being able to enjoy and indulge yourself with the time you have knowing you are well taken care of.
– Martin Theodore
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My Invitation
You have worked hard to build your wealth and are deserving of more than the status quo.
The less time you spend worrying about financial matters, the more time you can spend
enjoying what matters most to you. That is where I and CIBC can help, handling the day-to-day
aspects of your wealth management so you will not have to.
Find out more about the benefits of a relationship based on integrity and expertise and spend
time enjoying what you have worked so hard to achieve.
What Makes Us Different
PROCESS IN PARTNERSHIP
Working with me you’ll discover that I take ethical responsibility seriously, that I believe there
are no short cuts and in never taking blind risks. It begins by exploring your situation,
defining your unique balance between concentration and diversification, and providing
feedback to make sure we’re on track. More than words, my process helps keep the focus
on the issues and decisions that are important to you. I truly believe that we all deserve an
extraordinary relationship!
WHAT YOU CAN EXPECT: A COMMITMENT TO EXCELLENCE
UNIQUE RELEVANTPRUDENT
MANAGE TEAMWORKEXPECTATIONS
As a Portfolio Manager at
CIBC Wood Gundy it is my responsibility to provide prudent investment advice
and portfolio strategies that are relevant to your unique situation.
To provide objectivity when your goals and portfolio are
out of alignment.
Working in tandem with your other trusted advisors (such as your lawyer, accountant
and personal banker) to create the right strategies for your
specific needs and to engage you in all
aspects of your wealth.
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• Develop Your Investment Policy Statement(s)
• Identify goals, risk comfort levels and horizons
• Set asset allocation and policies
• Structure overall portfolio for tax efficiencies
• Set appropriate benchmarks
• Implement investment processes
• Cash management
• Develop your retirement plan
• Determine income needs & strategies
• Integrate pensions
• Clarify savings budget
• Optimize withdrawal strategies
• Monitor and update regularly
• Develop strategies to minimize tax
• Explore strategies to reduce tax liabilities
• Harvest gains/losses as appropriate
• Provide tax information to facilitate annual filing
• Arrange tax effectively gifting of assets
• Provide information on U.S. assets and potentially IRS reporting
• Assist in formation of wills and mandates
• Review estate handling options
• Assist and educate executors on their responsibilities
• Facilitate conversations with family members
• Provide education to heirs on finances
• Assist in developing a philanthropic strategy
• Arrange the creation of family foundation/ donor funds
• Assist in arranging landing and credit financing
• Liaison with other professions (CPA, lawyer, trustee)
YOUR UNIQUE SITUATION• Where are you now• What would you like to accomplish• What would help you feel more secure• What life changes do you currently foresee• Who would you like to help
INVESTING FOR THE FUTURE• Overall savings goals• Customized portfolio strategies• Involvement in the
investment process• Contingencies planning
RETIREMENT ROADMAP• Desired lifestyle• Income options• Integrating other bene�ts• Transitioning from your
business
PROTECTING YOUR LIFESTYLE• Power of attorney• Mandate of incapacity• Disability income• Survivor income
PHILANTHROPY• Giving strategies• Foundations and
donor advised funds
LEGACY AND ESTATE• Distribution of assets• Wills and trusts• Estate preservation
How we help you succeed – An overview: How we help you succeed – An overview:
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How We Do It
As an accredited Portfolio Manager, I have met specific industry criteria and stringent CIBC
Wood Gundy qualifications thereby allowing me to offer Advisor Managed Accounts to quali-
fied clients which include some of the following benefits:
The Advisor Managed Account (AMA) is a fully managed account that I administer on behalf of CIBC Wood Gundy as the Portfolio Manager. Furthermore, I personally design portfolios for the exclusive use of my clients according to their investment goals, risk tolerance and time horizon.
As your Portfolio Manager I am responsible for the management duties on your portfolio in addition to my Investment Advisor responsibilities. This eliminates the need for calls on every trade – relieving you from day-to-day trading decisions while keeping the direct access and overall communication, key to keeping you engaged in the management of your wealth and objectives.
EXPERTISECIBC Wood Gundy Portfolio Managers must meet specific industry credentials and strict
CIBC Wood Gundy qualifications.
PERSONALIZED SERVICE
Direct access to your Portfolio
Manager.
FREEDOMEliminates calls on
every trade – relieving you
from day-to-day decisions.
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What We Believe
THESIS
If concentration and dedication are required to build great wealth then only limitations and
diversification can protect it! A sound portfolio requires an overall strategy and a clear process
to manage it.
INVESTMENT PHILOSOPHY
To hold only investments that a reasonable person would not object to owning irrespective
of the potential return. Not all businesses are good investments and not all investments are
good businesses.
To remember that any risk is too great if taken blindly! It’s about
information, knowledge and relevancy. Risk of the simplest nature
needs to be understood to reduce the possibility of a surprise.
To consider the ethics of the direct or related business, to keep
sustainability and other stewardship issues in mind at all times
and be prepared to justify those decisions.
INVESTMENT STYLE
Primarily bottom-up active management with an overview of
economic conditions to manage risk and volatility. Market
agnostic, seeking absolute returns not market
weight replication
Growth At A Reasonable Price (GARP) approach to
select investments whose current value doesn’t reflect
a competitive advantage with the potential for
sustainable growth and strong absolute returns
over the longer term.
An Overall Strategic Ideas (OSI) used to determine
asset class and sector allocations, tactical decisions,
reducing risk and/or take advantage of opportunities
in accordance with the strategy.
“Plan for what you know but expect the unexpected”
– Peter Drucker.
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About Martin Theodore, Portfolio Manager
Martin began his financial services career with a small insurance agency in Montreal West.
Those experiences helped formed his belief that shared ethics are the basis for strong
relationships. Today he is proud to hold the Chartered Investment Manager designation (CIM®)
and has met the specific industry credentials and stringent CIBC Wood Gundy qualifications
that are required to be accredited as a Portfolio Manager.
He credits his parents who were teachers to have taught him to learn, dream, laugh, and work
hard. These traits help him to a Bachelor in management, studies in economics, history and
music. Traits that are still present in his continual pursuit of professional education and always
in the passion for what he does.
Martin claims a fascination for communication, food, literature, science and how our
interactions define us. He hopes to help his three children to discover their own passions in life.
About Sofia Gabrielli, Sales Assistant
Sofia is responsible for the daily administration of clients’ portfolios. She brings a smile to the
faces of those she interacts with and a feeling of confidence that they have been well served.
Since first starting in the financial services industry in 2005, she has held a strong commitment
to providing exceptional service and is proud to respond to inquiries in a quick and detailed
manner. She believes that our clients deserve an unparalleled level of service, so that their
experience is pleasant and efficient. Sofia is fluent in three languages and when not at work
her interests include mixed media and the outdoors.
Martin Theodore, B.Comm., CIM®
Portfolio Manager
9900 Cavendish Blvd., Suite 100, St-Laurent, QC H4M 2V2
Tel: 514 832-8374 • Toll free: 1 888 577-8224
www.martintheodore.com
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. 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. 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.
