David Garnier of Nova Scotia is a professional who is fortunate enough to have the ability to change lives. As a First Vice President and Portfolio Manager for CIBC (Canadian Imperial Bank of Commerce) Wood Gundy, he works with clients who need answers. They have the resources to invest, but they don't know how to get maximum returns. This committed investment adviser provides personalized, one-on-one attention to each client.

Each stage of life is going to come with a unique set of financial demands. If you work with a counselor like David Garnier of Nova Scotia, you should make projections. For example, if you are going to have two children in college ten years from now, you should have these expenses in mind when you are devising your financial plan. Retirement planning is also an important part of this equation. If you want to be able to put your working years in the rearview mirror at some point in time, you have to accumulate a significant store of resources. Once you have a clear-cut set of objectives, you can work with your financial adviser to devise a plan that leads to the fruition of these goals.

Estate planning should also be on your radar when you are crafting a comprehensive long-term financial plan. As you get older, you may have certain things that you would like to do for your children, your grandchildren, and others. When you are crafting your plan, you may want to carve out a certain legacy that your family will be able to draw from after you are gone. This is an area that David Garnier of Nova Scotia knows very well. Before David Garnier Nova Scotia accepted a position at CIBC (Canadian Imperial Bank of Commerce) Wood Gundy, he was an investment adviser at ScotiaMcLeod who specialized in estate planning matters.

There are some senior citizens who point toward others who are living the retirement dream, and they say that these individuals are “lucky.” In most cases, the people who are on the other side of the pointed finger made their own luck through intelligent advance planning.

About: David Garnier of Nova Scotia is an investment counselor and portfolio manager with over 20 years in the business.

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